PackageTrendsPeer
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Orland State Bank

Orland Park, IL · Cert 9082

FDIC

Q3 1996

$194.9MAssets
$122.9MLoans
$167.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.96%, down 4 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 73.22% of deposits as of Q3 1996.

Return on Assets (YTD, annualized)

0.96%-4 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets0.46%1.06%1.00%1.00%0.91%1.36%1.08%0.96%-4 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a6.52%-2.53%-0.71%2.83%1.73%0.12%-2.57%-186 bps
Loan Growth (YoY)n/a-2.92%-4.21%10.84%32.23%34.98%67.36%64.40%+5,357 bps
Deposit Growth (YoY)n/a1.15%-7.69%-1.39%2.06%1.99%0.22%-2.27%-88 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits37.96%42.63%41.24%43.53%49.19%56.42%68.86%73.22%+2,969 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a