Chicago, IL · Charter 81171
Q2 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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -3.73% | -2.23% | 59.15% | -0.94% | -5.87% | -2.48% | -6.17% | -6,531 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 | 8.29% | 12.21% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 122.42% | 150.51% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.58% | -15.56% | -8.59% | -39.31% | -33.22% | -33.10% | -34.67% | -25.83% | +1,348 bps | |
| Loan Growth (YoY) | -22.99% | -44.57% | -16.70% | -35.52% | -37.84% | -43.50% | -12.41% | 6.28% | +4,180 bps | |
| Share Growth (YoY) | -10.35% | -13.92% | -8.75% | -39.44% | -31.43% | -30.67% | -35.17% | -21.59% | +1,785 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 1.29% | 1.80% | 0.69% | 0.10% | 0.00% | -129 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 | 6.98% | 8.40% | 6.81% | 10.01% | 13.42% | 17.25% | 7.80% | 9.42% | -59 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 | 56.73% | 49.16% | 59.30% | 55.48% | 51.42% | 40.07% | 80.12% | 75.19% | +1,971 bps | |
| Liquid Assets / Assets | 30.33% | 39.50% | 35.93% | 40.75% | 38.41% | 52.07% | 20.45% | 2.51% | -3,824 bps | |