Cedar Rapids, IA · Charter 20934
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Cedar Rapids, IA · Charter 20934
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.27% | 5.00% | 3.25% | 0.57% | -7.76% | -1,303 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 | 4.31% | 4.56% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 89.29% | 233% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 35.54% | 0.19% | -1.84% | -0.49% | -6.37% | -4,191 bps | |
| Loan Growth (YoY) | 13.41% | -1.18% | 2.20% | 4.63% | 12.34% | -107 bps | |
| Share Growth (YoY) | 48.11% | 3.06% | -4.16% | -1.40% | -8.92% | -5,703 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.83% | 3.46% | 3.58% | 5.06% | 3.17% | -266 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.26% | 2.00% | 1.76% | 0.89% | 1.09% | -217 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 | 78.57% | 88.04% | 90.30% | 89.53% | 96.90% | +1,833 bps | |
| Liquid Assets / Assets | 8.93% | 3.40% | 1.86% | 1.77% | 0.00% | -893 bps | |