Bensenville, IL · Charter 81258
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 | 5.44% | 5.17% | 5.44% | 5.05% | 5.28% | 5.24% | 0.83% | 0.69% | -436 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 | 3.08% | 3.43% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 60.47% | 67.56% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.26% | 15.30% | 15.24% | 20.49% | 21.56% | 11.25% | 4.52% | -2.53% | -2,302 bps | |
| Loan Growth (YoY) | -5.87% | 2.37% | 25.80% | 14.08% | 25.36% | -0.15% | -5.48% | -2.74% | -1,682 bps | |
| Share Growth (YoY) | -2.78% | 14.29% | 14.54% | 20.81% | 22.33% | 10.71% | 3.43% | -4.63% | -2,544 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.15% | 1.61% | 1.60% | 1.30% | 2.80% | 4.73% | 4.19% | 3.34% | +204 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 | 2.80% | 2.47% | 1.94% | 2.43% | 2.87% | 3.26% | 2.73% | 2.88% | +45 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 | 67.72% | 77.28% | 81.88% | 73.90% | 69.40% | 69.69% | 74.83% | 75.37% | +147 bps | |
| Liquid Assets / Assets | 40.49% | 3.22% | 27.92% | 33.89% | 38.12% | 37.57% | 3.49% | 0.00% | -3,389 bps | |