Quincy, IL · Charter 65833
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.75% | 2.95% | 3.69% | 4.04% | 3.88% | 2.88% | 0.86% | 1.24% | -280 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 | 5.70% | 5.16% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 82.35% | 76.26% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.50% | -3.31% | -2.39% | 1.88% | -1.97% | 8.11% | 6.13% | 5.68% | +379 bps | |
| Loan Growth (YoY) | 9.33% | 21.69% | 27.18% | 12.37% | 0.09% | -17.32% | -15.73% | -19.44% | -3,180 bps | |
| Share Growth (YoY) | -23.50% | -5.92% | -5.49% | -0.59% | -5.27% | 7.30% | 4.99% | 4.87% | +545 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.04% | 0.89% | 0.40% | 0.19% | 1.39% | 0.81% | 0.00% | 0.52% | +34 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 | 1.46% | 0.90% | 0.71% | 0.67% | 0.72% | 0.97% | 0.68% | 0.34% | -33 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 | 76.38% | 80.10% | 83.73% | 78.94% | 80.70% | 61.71% | 67.21% | 60.64% | -1,830 bps | |
| Liquid Assets / Assets | 31.64% | 23.07% | 30.01% | 28.56% | 35.17% | 46.02% | 40.20% | 0.20% | -2,836 bps | |