Chicago, IL · Charter 65957
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.26% | 4.33% | 4.46% | 4.32% | 4.68% | 4.31% | 4.37% | 4.23% | -9 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 | 2.04% | -5.92% | -1.50% | -7.72% | -6.38% | -5.01% | -5.98% | -448 bps | |
| Loan Growth (YoY) | n/a | 17.77% | 17.95% | 9.01% | 17.51% | 0.26% | -8.16% | -21.89% | -3,090 bps | |
| Share Growth (YoY) | n/a | 0.53% | -8.50% | -3.81% | -10.80% | -9.28% | -7.78% | -12.54% | -873 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.94% | 0.77% | 0.78% | 0.79% | 2.23% | 11.55% | 7.36% | 7.08% | +629 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 | 4.40% | 4.87% | 4.22% | 4.32% | 4.91% | 4.37% | 4.24% | 4.52% | +20 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 | 37.92% | 38.99% | 43.55% | 44.07% | 49.96% | 43.10% | 43.37% | 39.36% | -471 bps | |
| Liquid Assets / Assets | 25.41% | 28.34% | 25.28% | 19.57% | 24.40% | 31.78% | 25.29% | 33.74% | +1,417 bps | |