Chicago, IL · Charter 66065
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 | 2.35% | 2.90% | 2.00% | 1.55% | 2.86% | 1.81% | 1.73% | 0.72% | -83 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 | -19.51% | -22.59% | -15.13% | -5.06% | -1.38% | -14.55% | +805 bps | |
| Loan Growth (YoY) | n/a | n/a | -28.77% | -21.00% | 8.85% | 4.67% | -6.61% | -9.36% | +1,164 bps | |
| Share Growth (YoY) | n/a | n/a | -24.61% | -27.13% | -18.76% | -6.62% | -2.03% | -15.78% | +1,135 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.60% | 10.47% | 7.75% | 9.95% | 6.37% | 7.69% | 8.97% | 12.13% | +218 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 | 1.76% | 0.96% | 0.96% | 1.03% | 0.87% | 0.99% | 1.11% | 2.94% | +191 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 | 72.14% | 81.54% | 87.98% | 81.47% | 96.66% | 91.40% | 83.86% | 87.68% | +621 bps | |
| Liquid Assets / Assets | 28.46% | 23.79% | 18.64% | 19.05% | 15.84% | 16.34% | 28.29% | 25.07% | +602 bps | |