Champaign, IL · Charter 65345
Q4 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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.62% | 2.77% | 2.56% | 2.92% | 2.73% | 3.10% | 3.04% | 3.29% | +38 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 | -19.82% | -19.87% | -3.00% | -7.22% | -6.39% | -5.22% | +1,465 bps | |
| Loan Growth (YoY) | n/a | n/a | 0.40% | -10.88% | -20.45% | -29.94% | -36.30% | -31.68% | -2,080 bps | |
| Share Growth (YoY) | n/a | n/a | -25.08% | -23.13% | -4.74% | -9.81% | -8.22% | -9.60% | +1,353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.86% | 3.67% | 1.75% | 2.95% | 9.22% | 5.37% | 2.70% | 2.44% | -51 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 | 0.69% | 1.61% | 1.97% | 2.31% | 2.34% | 2.68% | 2.12% | 1.82% | -49 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 | 69.45% | 76.19% | 69.54% | 65.20% | 57.99% | 59.18% | 48.27% | 49.27% | -1,593 bps | |
| Liquid Assets / Assets | 39.65% | 14.14% | 21.49% | 23.55% | 33.24% | 52.21% | 32.32% | 59.42% | +3,587 bps | |