Northbrook, IL · Charter 65620
Q2 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 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.39% | 4.20% | 5.14% | 4.09% | 4.38% | 4.52% | 4.70% | 4.34% | +25 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 | -6.83% | -2.62% | 1.51% | 2.59% | -4.33% | +250 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 31.24% | 18.86% | -5.19% | -16.50% | -12.48% | -4,371 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -7.54% | -3.43% | 0.82% | 2.64% | -4.95% | +260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 1.86% | 1.43% | 2.43% | 1.35% | 1.74% | 1.63% | 0.60% | -183 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 | 3.34% | 2.19% | 2.36% | 2.25% | 2.59% | 2.57% | 2.83% | 2.97% | +73 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 | 35.77% | 49.80% | 53.34% | 48.11% | 44.03% | 46.83% | 43.40% | 44.30% | -381 bps | |
| Liquid Assets / Assets | 15.57% | 10.02% | 12.35% | 27.13% | 25.96% | 21.81% | 24.83% | 57.82% | +3,070 bps | |