Chicago, IL · Charter 65423
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.98% | 3.69% | 2.86% | 3.18% | 2.81% | 2.05% | 0.25% | -2.54% | -572 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 | 2.48% | 3.12% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 90.78% | 100.31% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.14% | -9.40% | -11.13% | -4.08% | 31.18% | 35.54% | 20.61% | 9.32% | +1,340 bps | |
| Loan Growth (YoY) | -2.34% | -7.37% | -28.52% | -44.69% | -34.60% | -27.63% | -22.37% | -11.86% | +3,283 bps | |
| Share Growth (YoY) | -10.08% | -11.91% | -12.42% | -4.00% | 35.83% | 41.87% | 22.98% | 10.58% | +1,458 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.98% | 7.72% | 8.68% | 7.18% | 7.69% | 0.00% | 0.00% | 3.37% | -380 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 | 6.27% | 7.07% | 5.79% | 8.34% | 9.49% | 4.59% | 4.98% | 8.75% | +41 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 | 39.65% | 34.01% | 26.90% | 20.13% | 19.09% | 17.35% | 16.98% | 16.05% | -409 bps | |
| Liquid Assets / Assets | 59.99% | 67.69% | 70.96% | 74.80% | 78.59% | 79.44% | 78.84% | 81.27% | +647 bps | |