Lombard, IL · Charter 81707
Q2 1999
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 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.13% | 4.27% | 3.61% | 3.76% | 3.81% | 3.71% | 3.76% | 3.19% | -58 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) | 8.95% | 10.44% | 4.15% | 6.53% | 10.12% | 14.08% | 12.26% | 17.49% | +1,096 bps | |
| Loan Growth (YoY) | 21.36% | 23.82% | 10.79% | 12.33% | 8.03% | 4.73% | 5.43% | 9.11% | -322 bps | |
| Share Growth (YoY) | 7.47% | 8.33% | 2.73% | 5.22% | 10.73% | 13.16% | 11.04% | 16.10% | +1,088 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 0.55% | 0.82% | 0.80% | 0.79% | 0.65% | 0.64% | 1.00% | +20 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 | 0.20% | 0.53% | 0.52% | 0.54% | 0.51% | 0.30% | 0.29% | 0.41% | -13 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 | 82.35% | 85.86% | 79.76% | 80.10% | 80.34% | 79.47% | 75.73% | 75.28% | -482 bps | |
| Liquid Assets / Assets | 8.15% | 7.43% | 14.61% | 15.01% | 14.93% | 16.07% | 20.37% | 19.86% | +485 bps | |