Chicago, IL · Charter 66090
Q2 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 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.52% | 4.44% | 4.32% | 4.04% | 4.60% | 5.17% | 5.21% | 4.41% | +38 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 | n/a | 14.26% | 15.36% | 19.28% | 21.88% | 2.42% | -1,184 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 25.09% | 12.07% | 9.68% | 8.90% | 21.77% | -332 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 13.50% | 14.52% | 17.84% | 20.58% | 0.51% | -1,300 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.55% | 1.25% | 1.73% | 0.57% | 0.50% | 0.31% | 1.44% | 4.70% | +413 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 | 2.00% | 1.67% | 1.50% | 2.40% | 2.26% | 1.90% | 1.89% | 2.05% | -35 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 | 46.10% | 47.87% | 49.95% | 33.76% | 45.11% | 44.56% | 45.11% | 40.90% | +714 bps | |
| Liquid Assets / Assets | 37.25% | 24.94% | 22.35% | 58.12% | 47.04% | 42.92% | 35.87% | 31.60% | -2,652 bps | |