PackageTrendsPeer
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Nibco

Elkhart, IN · Charter 24611

Q2 2000

$6.2MAssets
$2.1MLoans
$5.8MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.06%, down 62 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 5.98% of loans (+598 bps YoY).
  • Funding: loans stand at 36.39% of shares as of Q2 2000.

Return on Assets (YTD, annualized)

1.06%-62 bps YoY

Net Interest Margin (YTD, annualized)

4.54%

Efficiency Ratio (YTD, annualized)

54.01%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets1.67%3.30%3.76%0.75%1.06%-62 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.13%4.54%n/a
Efficiency Ration/an/an/a53.20%54.01%n/a
Growth
Asset Growth (YoY)n/an/an/an/a-40.05%n/an/a
Loan Growth (YoY)n/an/an/an/a-8.80%n/an/a
Share Growth (YoY)n/an/an/an/a-42.78%n/an/a
Asset Quality
Delinquent Loans / Loans0.00%2.65%4.45%7.62%5.98%+598 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.10%0.93%2.07%3.31%4.24%+414 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares22.83%21.87%20.89%25.99%36.39%+1,356 bps
Liquid Assets / Assets58.65%61.76%75.82%56.33%36.77%-2,188 bps