PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dickinson County

Spirit Lake, IA · Charter 61616

Q2 1997

$1.9MAssets
$1.7MLoans
$1.7MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.82%, up 87 bps year over year.
  • Asset quality: problem loans at 8.71% of loans (+469 bps YoY).
  • Funding: loans stand at 101.88% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

3.82%+87 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets2.95%3.33%3.68%2.57%3.82%+87 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a49.00%37.56%-6.63%n/a
Loan Growth (YoY)n/an/a21.56%24.11%-5.45%n/a
Share Growth (YoY)n/an/a49.25%38.88%-15.71%n/a
Asset Quality
Delinquent Loans / Loans4.01%7.21%8.63%8.07%8.71%+469 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.15%1.52%1.45%3.12%2.99%+84 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 / Shares90.83%91.22%86.82%86.46%101.88%+1,106 bps
Liquid Assets / Assets2.10%1.13%0.92%14.70%9.76%+766 bps