Sidney, IL · Charter 65455
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.49% | 1.93% | 3.39% | 2.57% | 1.96% | 1.36% | 1.43% | -0.94% | -351 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 | -22.67% | -19.23% | -6.19% | -10.26% | -6.55% | -13.69% | -15.32% | -913 bps | |
| Loan Growth (YoY) | n/a | -22.07% | -42.99% | -38.94% | -28.62% | -24.78% | -0.19% | 12.93% | +5,187 bps | |
| Share Growth (YoY) | n/a | -27.50% | -23.88% | -9.29% | -13.08% | -9.26% | -16.68% | -17.52% | -822 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 7.39% | 6.48% | 1.18% | 0.00% | 1.78% | 4.59% | -189 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 | 1.32% | 1.71% | 2.38% | 2.52% | 0.78% | 0.43% | 1.04% | 0.45% | -207 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 | 72.26% | 67.38% | 51.56% | 54.69% | 59.34% | 55.85% | 61.76% | 74.88% | +2,019 bps | |
| Liquid Assets / Assets | 21.61% | 42.72% | 57.57% | 53.39% | 45.00% | 45.95% | 37.46% | 39.05% | -1,434 bps | |