Chicago, IL · Charter 81157
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 | 1.94% | 1.82% | 1.97% | 3.13% | 2.48% | -0.87% | -6.51% | -6.34% | -948 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 | -20.63% | -17.20% | -17.79% | -23.28% | -26.61% | -599 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 152.58% | 122.90% | 72.93% | -26.93% | -57.74% | -21,032 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -25.06% | -20.71% | -20.75% | -21.22% | -21.33% | +373 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.61% | 3.10% | 2.84% | 2.76% | 2.64% | 4.58% | 16.72% | 12.22% | +946 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 | 0.94% | 1.02% | 1.07% | 0.26% | 2.27% | 1.24% | 2.23% | 3.79% | +353 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 | 42.07% | 44.88% | 85.87% | 101.40% | 118.27% | 97.93% | 79.64% | 54.47% | -4,693 bps | |
| Liquid Assets / Assets | 0.00% | 59.13% | 26.06% | 20.42% | 0.00% | 13.31% | 0.00% | 11.55% | -887 bps | |