Galesburg, IL · Charter 65949
Q4 1996
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 7.51% | 5.33% | 5.96% | 6.78% | 5.88% | -7.37% | -1,270 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 | 23.98% | -10.05% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -2.90% | -0.64% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 27.19% | 1.25% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 11.65% | 24.46% | 29.95% | 24.14% | 24.01% | 26.01% | +155 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.31% | 5.18% | 4.53% | 4.42% | 5.35% | 25.47% | +2,029 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 | 84.44% | 75.72% | 78.23% | 72.36% | 64.46% | 74.31% | -141 bps | |
| Liquid Assets / Assets | 25.67% | 31.73% | 30.69% | 34.23% | 41.77% | 40.72% | +899 bps | |