Norfolk, NE · Charter 11115
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Norfolk, NE · Charter 11115
Q2 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.07% | 3.19% | 3.32% | 1.55% | 3.18% | +11 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | -11.92% | -16.73% | -6.99% | n/a | |
| Loan Growth (YoY) | n/a | n/a | -11.29% | -30.74% | -14.55% | n/a | |
| Share Growth (YoY) | n/a | n/a | -14.56% | -19.10% | -9.34% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.63% | 2.34% | 1.41% | 4.94% | 1.41% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.06% | 1.37% | 1.42% | 1.09% | 1.42% | +37 bps | |
| Capital | |||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.36% | 81.28% | 81.40% | 82.28% | 81.40% | -496 bps | |
| Liquid Assets / Assets | 17.92% | 15.62% | 19.50% | 19.15% | 22.09% | +417 bps | |