Clinton, IA · Charter 61921
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Clinton, IA · Charter 61921
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.61% | 4.84% | 4.34% | 4.40% | 4.36% | -25 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) | 13.67% | 11.92% | 10.74% | 13.96% | 16.05% | +238 bps | |
| Loan Growth (YoY) | 25.72% | 11.11% | 2.83% | -3.33% | -9.33% | -3,505 bps | |
| Share Growth (YoY) | 14.22% | 14.15% | 10.89% | 14.99% | 17.57% | +335 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 2.38% | 1.56% | 1.42% | 1.09% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.08% | 1.35% | 1.68% | 1.66% | 2.18% | +109 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 | 101.99% | 99.03% | 90.18% | 89.75% | 78.66% | -2,333 bps | |
| Liquid Assets / Assets | 16.01% | 18.99% | 25.39% | 26.56% | 34.52% | +1,851 bps | |