Freeport, IL · Charter 65697
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.71% | 3.62% | 4.79% | 3.64% | 1.97% | 4.01% | 1.53% | 1.05% | -259 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 | 4.70% | 4.63% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 71.15% | 78.62% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.98% | -4.76% | -1.33% | 8.99% | 13.57% | 27.94% | 29.99% | 33.04% | +2,405 bps | |
| Loan Growth (YoY) | 1.09% | 11.72% | 0.90% | -0.16% | -20.76% | -22.43% | -17.52% | -11.81% | -1,165 bps | |
| Share Growth (YoY) | -14.95% | -10.68% | -7.06% | 5.21% | 10.67% | 27.39% | 31.64% | 35.61% | +3,040 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.14% | 0.00% | 0.00% | 4.51% | 0.90% | 0.00% | 1.50% | +150 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 | 0.19% | 0.19% | 0.19% | 0.20% | 0.24% | 0.25% | 0.23% | 0.23% | +3 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 | 100.44% | 103.71% | 102.34% | 93.29% | 71.92% | 63.15% | 64.13% | 60.67% | -3,262 bps | |
| Liquid Assets / Assets | 14.53% | 11.75% | 15.26% | 21.64% | 40.25% | 43.69% | 0.00% | 38.78% | +1,714 bps | |