PackageTrendsPeer
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Alt-Wood

Alton, IL · Charter 65258

Q4 1997

$9.2MAssets
$6.9MLoans
$8.7MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.52%, down 387 bps year over year.
  • Asset quality: problem loans at 6.25% of loans (+593 bps YoY).
  • Funding: loans stand at 79.19% of shares as of Q4 1997.

Return on Assets (quarter, annualized)

-0.52%-387 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.90%3.67%3.54%3.35%3.28%3.10%-0.20%-0.52%-387 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a33.70%33.30%28.42%15.68%n/a
Loan Growth (YoY)n/an/an/an/a116.07%95.80%52.35%27.01%n/a
Share Growth (YoY)n/an/an/an/a31.02%39.46%33.64%21.65%n/a
Asset Quality
Delinquent Loans / Loans0.91%1.17%0.76%0.32%0.60%6.38%4.44%6.25%+593 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.73%0.88%0.35%0.65%0.41%0.84%1.66%3.94%+329 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares58.98%64.44%67.28%75.85%97.26%90.47%76.70%79.19%+335 bps
Liquid Assets / Assets29.25%25.97%30.79%21.98%6.48%2.70%20.44%18.81%-317 bps