PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Old Kent Bank

Elmhurst, IL · Cert 915

FDIC

Q2 1997

$2.1BAssets
$1.1BLoans
$1.7BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.09%, up 11 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 67.29% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

1.09%+11 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.

MetricQ3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets0.71%0.69%0.88%0.98%0.92%0.93%0.91%1.09%+11 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)29.45%10.10%1.16%2.75%4.06%3.85%2.48%-2.97%-572 bps
Loan Growth (YoY)46.03%12.41%12.68%12.03%15.92%13.37%-0.75%-2.05%-1,409 bps
Deposit Growth (YoY)34.36%10.86%4.79%3.46%2.48%4.12%-0.01%0.40%-306 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 / Deposits60.04%59.62%66.82%68.97%67.91%64.92%66.33%67.29%-169 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