Council Bluff, IA · Charter 62272
Q3 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -2.32% | -0.45% | -2.59% | -3.69% | 0.60% | 0.59% | -3.39% | -80 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -79.96% | 12.23% | 12.68% | -180.16% | n/a | |
| Net Interest Margin | 8.00% | 7.44% | 7.93% | 8.38% | 8.36% | 8.17% | 6.93% | 6.83% | -155 bps | |
| Efficiency Ratio | 97.27% | 88.71% | 85.60% | 88.48% | 89.98% | 84.80% | 88.12% | 139.11% | +5,063 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.26% | -7.38% | -11.71% | -18.58% | -11.81% | -15.75% | -1.38% | 1.98% | +2,056 bps | |
| Loan Growth (YoY) | 1.38% | -1.31% | -2.74% | -12.17% | -17.31% | -21.40% | -28.12% | -30.09% | -1,792 bps | |
| Share Growth (YoY) | -10.04% | -7.22% | -12.51% | -17.85% | -9.07% | -14.10% | 1.68% | 6.84% | +2,469 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.96% | 2.56% | 2.63% | 3.47% | 1.09% | 4.10% | 3.07% | 2.32% | -115 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.96% | 1.77% | 1.18% | 3.18% | 2.47% | 3.05% | 2.98% | 1.23% | -196 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 4.61% | 4.90% | 4.62% | 1.88% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 4.61% | 4.90% | 4.62% | 1.88% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.72% | 83.59% | 88.93% | 89.03% | 79.78% | 76.50% | 62.87% | 58.26% | -3,077 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 16.99% | 19.89% | 33.38% | 35.48% | +3,548 bps | |