Intl Falls, MN · Charter 62383
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.
Intl Falls, MN · Charter 62383
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 | 4.27% | 4.55% | 4.87% | 3.50% | 3.65% | -62 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) | 23.17% | 11.95% | 20.70% | 14.63% | 15.42% | -775 bps | |
| Loan Growth (YoY) | 4.56% | -3.16% | -2.63% | -1.90% | 12.04% | +748 bps | |
| Share Growth (YoY) | 15.39% | 7.78% | 13.26% | 18.54% | 20.11% | +472 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.69% | 2.34% | 1.40% | 1.04% | 0.50% | -319 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.36% | 1.17% | 1.41% | 1.63% | 1.49% | +13 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 | 122.55% | 125.69% | 112.13% | 111.50% | 114.32% | -823 bps | |
| Liquid Assets / Assets | 9.18% | 15.73% | 15.56% | 17.35% | 13.40% | +421 bps | |