Galesburg, IL · Charter 65938
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 | 3.34% | 4.20% | 3.78% | 4.39% | 3.57% | 3.91% | 3.78% | 3.86% | -53 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 | -5.29% | -2.80% | 3.62% | -2.22% | -2.35% | -5.99% | -319 bps | |
| Loan Growth (YoY) | n/a | n/a | -4.28% | 16.62% | 25.23% | -3.01% | 1.26% | -1.94% | -1,856 bps | |
| Share Growth (YoY) | n/a | n/a | -11.68% | -8.75% | 1.48% | -7.28% | -7.50% | 54.06% | +6,281 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.31% | 0.14% | 0.00% | 0.50% | 4.46% | 9.07% | 9.57% | +957 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 | 12.87% | 10.51% | 10.71% | 10.88% | 10.49% | 10.54% | 10.29% | 10.58% | -30 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 | 45.54% | 54.93% | 55.20% | 57.73% | 56.20% | 57.46% | 60.42% | 36.74% | -2,099 bps | |
| Liquid Assets / Assets | 51.92% | 47.19% | 48.07% | 46.90% | 47.18% | 45.98% | 44.84% | 41.98% | -493 bps | |