Chicago, IL · Charter 65594
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.30% | 2.96% | 3.15% | 3.10% | 3.37% | 3.67% | 4.38% | 5.05% | +194 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 | -25.71% | -18.05% | -22.65% | -25.12% | -17.06% | +865 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -21.98% | -24.19% | -10.09% | -0.53% | -6.18% | +1,579 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -28.48% | -21.26% | -26.92% | -30.74% | -22.11% | +637 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.26% | 1.89% | 2.86% | 7.50% | 4.61% | 6.59% | 4.92% | 3.53% | -397 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 | 4.57% | 4.26% | 5.33% | 7.53% | 9.92% | 9.50% | 10.82% | 11.54% | +401 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 | 63.34% | 61.49% | 60.43% | 59.07% | 60.99% | 75.65% | 86.79% | 71.15% | +1,208 bps | |
| Liquid Assets / Assets | 33.47% | 45.47% | 42.94% | 46.41% | 46.34% | 39.31% | 10.76% | 35.32% | -1,109 bps | |