Kearney, NE · Charter 20596
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.82% | 4.93% | 5.03% | 4.97% | 4.86% | 5.05% | 0.95% | 1.40% | -357 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 | 2.55% | 2.87% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 60.20% | 51.33% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.15% | 21.37% | 6.72% | 3.93% | 9.20% | 9.06% | 14.68% | 13.64% | +971 bps | |
| Loan Growth (YoY) | 3.47% | 3.63% | 10.19% | 16.75% | 21.76% | 10.30% | -5.76% | -13.53% | -3,028 bps | |
| Share Growth (YoY) | 14.01% | 23.12% | 6.51% | 3.17% | 9.01% | 10.16% | 16.06% | 14.32% | +1,115 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.28% | 0.80% | 0.54% | 0.46% | 2.76% | 0.67% | 0.14% | -40 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 | 0.03% | 0.23% | 0.82% | 0.51% | 1.23% | 1.41% | 1.30% | 1.35% | +84 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 | 86.50% | 86.47% | 95.60% | 100.07% | 96.61% | 86.58% | 77.63% | 75.69% | -2,438 bps | |
| Liquid Assets / Assets | 17.96% | 21.08% | 12.34% | 7.30% | 11.40% | 14.51% | 4.20% | 23.72% | +1,642 bps | |