Melrose Park, IL · Charter 66256
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.81% | 4.73% | 2.88% | 4.50% | 4.74% | 0.82% | 3.04% | 6.57% | +207 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 13.55% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 10.20% | 7.99% | 16.05% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 64.83% | 69.66% | 66.97% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.79% | 0.96% | 21.07% | 46.76% | 51.34% | 35.21% | 28.34% | -40.02% | -8,678 bps | |
| Loan Growth (YoY) | 18.12% | -13.35% | -10.37% | 43.13% | 82.32% | 50.23% | 67.54% | -29.58% | -7,271 bps | |
| Share Growth (YoY) | -20.35% | -9.14% | 21.60% | 57.44% | 59.02% | 45.71% | 32.25% | -58.63% | -11,607 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.46% | 25.10% | 14.00% | 21.87% | 6.98% | 26.51% | 34.13% | 61.87% | +4,000 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 | 2.55% | 0.81% | 0.77% | 0.51% | 0.41% | 2.49% | 2.11% | 3.32% | +281 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 48.47% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 48.47% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.25% | 77.49% | 57.17% | 88.88% | 82.83% | 79.89% | 72.42% | 151.29% | +6,241 bps | |
| Liquid Assets / Assets | 3.91% | 4.37% | 2.33% | 2.44% | 2.10% | 3.34% | 0.00% | 23.43% | +2,099 bps | |