Pana, IL · Charter 64700
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.12% | -1.40% | 1.21% | 1.12% | 2.93% | 1.87% | 0.84% | 1.04% | -7 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -24.05% | -25.87% | -9.32% | -9.41% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 41.90% | 79.00% | 82.50% | 27.78% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -23.78% | -25.87% | -7.47% | -7.77% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.89% | 9.31% | 10.16% | 3.13% | 4.53% | 5.40% | 5.00% | 5.45% | +232 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.79% | 8.87% | 8.72% | 3.93% | 2.62% | 2.91% | 3.74% | 3.63% | -30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.11% | 28.51% | 29.83% | 37.46% | 52.33% | 68.84% | 58.84% | 51.90% | +1,444 bps | |
| Liquid Assets / Assets | 71.45% | 73.18% | 70.93% | 64.19% | 48.95% | 32.56% | 43.22% | 44.79% | -1,940 bps | |