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Letter portraitLegal landscapeQuarterYTD

Evanston Post Office Employees

Evanston, IL · Charter 65206

Q2 1996

$144KAssets
$32KLoans
$115KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.58%, down 376 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-426 bps YoY).
  • Funding: loans stand at 27.84% of shares as of Q2 1996.

Return on Assets (YTD, annualized)

-0.58%-376 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.19%3.31%3.21%3.69%-0.58%-376 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-19.69%n/an/a
Loan Growth (YoY)n/an/an/an/a-65.39%n/an/a
Share Growth (YoY)n/an/an/an/a-22.51%n/an/a
Asset Quality
Delinquent Loans / Loans4.26%5.54%9.52%6.67%0.00%-426 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.55%4.85%5.92%5.26%8.95%+539 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares62.34%54.44%47.91%44.37%27.84%-3,450 bps
Liquid Assets / Assets1.14%8.08%8.46%44.08%54.19%+5,305 bps