Danville, IL · Charter 66210
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 | 5.74% | 3.74% | 3.77% | 4.11% | 3.75% | 2.26% | 2.68% | -3.41% | -752 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 | -15.99% | -21.62% | -16.23% | -14.57% | -13.16% | -10.68% | -16.29% | -6 bps | |
| Loan Growth (YoY) | n/a | 21.15% | 8.57% | 13.55% | -13.57% | -25.28% | -28.62% | -33.06% | -4,661 bps | |
| Share Growth (YoY) | n/a | -20.13% | -25.93% | -18.09% | -15.43% | -13.46% | -11.41% | -17.60% | +49 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.90% | 3.23% | 1.32% | 2.20% | 3.22% | 3.33% | 2.89% | 0.07% | -213 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 | 0.73% | 0.91% | 0.09% | 2.47% | 2.77% | 2.53% | 0.75% | 0.94% | -153 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 | 88.79% | 89.93% | 99.24% | 92.34% | 90.74% | 77.64% | 79.96% | 75.01% | -1,732 bps | |
| Liquid Assets / Assets | 21.75% | 21.14% | 13.42% | 18.89% | 20.80% | 31.50% | 27.42% | 33.22% | +1,433 bps | |