Spirit Lake, IA · Charter 61616
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.
Spirit Lake, IA · Charter 61616
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 | 2.95% | 3.33% | 3.68% | 2.57% | 3.82% | +87 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 | 49.00% | 37.56% | -6.63% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 21.56% | 24.11% | -5.45% | n/a | |
| Share Growth (YoY) | n/a | n/a | 49.25% | 38.88% | -15.71% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.01% | 7.21% | 8.63% | 8.07% | 8.71% | +469 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.15% | 1.52% | 1.45% | 3.12% | 2.99% | +84 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 | 90.83% | 91.22% | 86.82% | 86.46% | 101.88% | +1,106 bps | |
| Liquid Assets / Assets | 2.10% | 1.13% | 0.92% | 14.70% | 9.76% | +766 bps | |