Carol Stream, IL · Charter 81713
Q4 1997
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 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.52% | 4.65% | 4.78% | 5.12% | 4.65% | 4.81% | 4.02% | 4.28% | -84 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 | n/a | -28.75% | -32.49% | -35.24% | -28.71% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 6.70% | -1.23% | -11.83% | -29.90% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -32.07% | -36.25% | -39.43% | -32.21% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.84% | 1.45% | 3.02% | 2.78% | 3.15% | 3.91% | 4.55% | 3.87% | +109 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 | 2.81% | 1.95% | 2.32% | 1.56% | 1.63% | 1.79% | 2.45% | 1.74% | +18 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 | 26.99% | 28.39% | 30.85% | 36.88% | 42.39% | 43.99% | 44.91% | 38.13% | +125 bps | |
| Liquid Assets / Assets | 24.09% | 31.50% | 38.53% | 33.35% | 28.61% | 36.16% | 45.67% | 54.96% | +2,161 bps | |