Chicago, IL · Charter 65901
Q4 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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.21% | 3.03% | 1.52% | 2.32% | 1.49% | -1.90% | 1.60% | 1.54% | -78 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 | -8.89% | -6.24% | -18.03% | -21.46% | -25.70% | -29.29% | -2,305 bps | |
| Loan Growth (YoY) | n/a | n/a | 45.36% | -3.62% | 0.49% | 2.80% | -16.45% | -27.17% | -2,355 bps | |
| Share Growth (YoY) | n/a | n/a | -11.79% | -9.05% | -21.85% | -22.35% | -28.77% | -31.85% | -2,280 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.79% | 2.69% | 3.30% | 4.79% | 10.05% | 4.15% | 0.40% | 13.16% | +837 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 | 1.25% | 1.09% | 2.54% | 2.65% | 2.69% | 0.86% | 1.39% | 3.93% | +128 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 | 60.86% | 66.38% | 66.73% | 69.33% | 78.26% | 87.88% | 78.27% | 74.09% | +476 bps | |
| Liquid Assets / Assets | 40.36% | 33.34% | 33.48% | 30.99% | 26.72% | 16.11% | 13.80% | 15.86% | -1,512 bps | |