Springfield, IL · Charter 65825
Q4 1997
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 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.22% | 3.39% | 3.48% | 3.91% | 3.85% | 4.19% | 4.17% | 4.21% | +31 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 | n/a | 1.38% | -2.39% | 4.83% | 4.35% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 20.43% | 14.28% | 12.18% | 10.43% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -0.93% | -5.15% | 2.28% | 1.56% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 0.90% | 0.60% | 1.35% | 0.78% | 1.28% | 0.78% | 0.18% | -117 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 | 1.26% | 1.25% | 1.22% | 1.21% | 0.80% | 0.86% | 0.66% | 0.58% | -63 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 | 58.58% | 67.86% | 71.62% | 78.53% | 71.21% | 81.76% | 78.55% | 85.38% | +685 bps | |
| Liquid Assets / Assets | 21.69% | 15.65% | 18.01% | 14.72% | 27.22% | 16.43% | 16.57% | 11.10% | -361 bps | |