Chicago, IL · Charter 66219
Q4 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.48% | 5.21% | 0.80% | 4.60% | -2.54% | -3.14% | 4.48% | 2.36% | -224 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 | 9.38% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 80.63% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.04% | 5.14% | -3.94% | 4.92% | 141.64% | 305% | 400% | 427% | +42,219 bps | |
| Loan Growth (YoY) | 45.78% | 4.17% | 18.96% | 47.96% | 57.10% | 643% | 684% | 550% | +50,181 bps | |
| Share Growth (YoY) | 14.94% | -3.04% | -10.90% | -0.56% | 185.25% | 377% | 546% | 523% | +52,331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 24.75% | 18.73% | 14.88% | 17.46% | 3.24% | 7.37% | 2.69% | 10.27% | -719 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 | 0.42% | 0.48% | 0.38% | 0.00% | 0.27% | 0.36% | 10.88% | 9.50% | +950 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 | 59.88% | 57.92% | 72.97% | 84.75% | 32.98% | 90.24% | 88.55% | 88.43% | +368 bps | |
| Liquid Assets / Assets | 6.20% | 40.64% | 34.55% | 36.79% | 40.67% | 20.47% | 16.95% | 11.86% | -2,494 bps | |