Oregon, IL · Charter 64949
Q2 1998
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.39% | 5.65% | 5.24% | 5.23% | 4.75% | 4.20% | 4.78% | -23.85% | -2,908 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 | -8.05% | -1.61% | 15.78% | 17.92% | -24.32% | -1,628 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 15.51% | 51.46% | 106.18% | 235% | 113.75% | +9,823 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -10.15% | -4.65% | 18.43% | 13.68% | -2.40% | +775 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.37% | 0.00% | 15.09% | 1.05% | 0.31% | 0.21% | 8.32% | 27.53% | +2,648 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 | 2.57% | 2.50% | 2.62% | 2.55% | 1.70% | 1.21% | 0.78% | 10.72% | +817 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 | 35.82% | 39.36% | 37.14% | 40.94% | 56.90% | 68.52% | 109.36% | 89.66% | +4,872 bps | |
| Liquid Assets / Assets | 3.67% | 3.78% | 0.00% | 0.00% | 47.68% | 37.48% | 7.18% | 2.98% | +298 bps | |