Chicago, IL · Charter 6968
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.89% | 1.90% | 2.80% | 2.49% | 0.47% | 0.00% | -2.45% | 0.51% | -198 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -12.67% | 2.44% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.59% | 6.26% | 6.76% | 5.77% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 86.15% | 88.48% | 90.34% | 91.38% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.51% | -10.08% | -14.38% | -8.51% | -16.42% | -27.86% | -31.57% | -38.20% | -2,969 bps | |
| Loan Growth (YoY) | -14.72% | -15.49% | -20.60% | -20.66% | -27.26% | -39.67% | -42.84% | -45.57% | -2,491 bps | |
| Share Growth (YoY) | -8.62% | -9.14% | -17.36% | -10.42% | -19.46% | -32.84% | -35.34% | -43.10% | -3,268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 2.82% | 4.94% | 3.46% | 2.99% | 7.80% | 15.96% | 19.01% | +1,555 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 | 2.54% | 2.80% | 3.54% | 4.25% | 4.54% | 4.56% | 12.78% | 9.13% | +488 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 19.34% | 20.76% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 19.34% | 20.76% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.70% | 54.02% | 57.84% | 51.86% | 53.01% | 48.53% | 51.12% | 49.61% | -225 bps | |
| Liquid Assets / Assets | 48.40% | 49.28% | 50.22% | 54.57% | 54.99% | 56.84% | 61.36% | 61.31% | +674 bps | |