So. Wilmington, IL · Charter 81656
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.65% | 2.38% | 3.30% | 1.71% | 2.16% | 2.76% | 2.81% | 1.30% | -40 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 | 4.90% | -4.00% | -3.86% | -2.57% | -9.60% | -1,450 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 0.13% | -13.21% | -30.01% | -28.91% | -54.08% | -5,421 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 4.29% | -6.31% | -6.39% | -3.96% | -6.29% | -1,058 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.78% | 25.61% | 32.33% | 38.79% | 23.63% | 32.58% | 31.20% | 8.43% | -3,035 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 | 2.75% | 2.36% | 2.86% | 2.88% | 3.17% | 3.38% | 4.02% | 0.10% | -277 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 | 55.83% | 66.15% | 54.84% | 55.94% | 51.72% | 49.47% | 40.59% | 27.41% | -2,853 bps | |
| Liquid Assets / Assets | 22.54% | 36.86% | 37.95% | 39.30% | 41.44% | 42.51% | 43.16% | 29.05% | -1,025 bps | |