Mahomet, IL · Charter 65827
Q4 1996
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.03% | 2.41% | 2.85% | 3.38% | 3.65% | 1.91% | -50 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | -17.18% | -35.18% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 7.70% | -16.42% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -21.03% | -39.78% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 2.03% | 1.07% | 3.85% | 1.40% | 5.30% | 28.48% | +2,741 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.74% | 2.89% | 3.15% | 3.02% | 2.78% | 5.61% | +272 bps | |
| Capital | ||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | ||||||||
| Loans / Shares | 55.23% | 62.16% | 59.69% | 66.06% | 75.32% | 86.28% | +2,411 bps | |
| Liquid Assets / Assets | 24.18% | 39.96% | 39.63% | 32.54% | 30.01% | 26.25% | -1,371 bps | |