Norfolk, NE · Charter 14258
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.35% | 4.65% | 4.48% | 4.10% | 2.94% | -0.21% | -1.07% | -3.36% | -746 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -73.11% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.71% | 4.72% | 5.32% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 98.28% | 115.39% | 114.38% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.11% | 14.35% | 20.89% | 45.04% | 56.39% | 40.93% | 29.52% | -2.43% | -4,748 bps | |
| Loan Growth (YoY) | 5.23% | 12.95% | 24.32% | 33.06% | 57.01% | 48.55% | 25.70% | 4.07% | -2,899 bps | |
| Share Growth (YoY) | 15.13% | 12.93% | 20.64% | 49.75% | 60.90% | 44.46% | 32.82% | 1.40% | -4,835 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.47% | 2.27% | 2.50% | 0.12% | 2.08% | 3.01% | 8.79% | +628 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 | 0.95% | 1.01% | 0.69% | 0.78% | 0.26% | 0.53% | 0.69% | 2.80% | +202 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.60% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.60% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.46% | 103.92% | 106.18% | 98.46% | 99.98% | 106.86% | 100.49% | 101.06% | +260 bps | |
| Liquid Assets / Assets | 6.34% | 4.70% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |