Decatur, IL · Charter 65276
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 | 6.26% | 6.46% | 6.04% | 6.27% | 6.58% | 6.70% | 5.86% | -1.19% | -746 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 | 6.29% | 2.53% | 2.08% | -29.17% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 1.62% | 2.90% | -20.16% | -35.99% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 3.28% | -0.79% | -1.44% | -16.14% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.55% | 2.58% | 2.30% | 2.35% | 1.35% | 2.19% | 9.49% | 18.00% | +1,565 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 | 0.49% | 0.48% | 0.49% | 0.48% | 0.49% | 0.47% | 0.61% | 9.78% | +930 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 | 90.42% | 91.83% | 90.41% | 87.27% | 88.97% | 95.24% | 73.24% | 66.61% | -2,066 bps | |
| Liquid Assets / Assets | 17.64% | 15.70% | 17.95% | 17.58% | 20.28% | 17.61% | 16.32% | 16.15% | -143 bps | |