Middletown, IA · Charter 6254
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.94% | 2.88% | 2.85% | 3.44% | 2.69% | 0.42% | 0.41% | 0.77% | -267 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.53% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.35% | 4.02% | 4.33% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 83.76% | 90.17% | 84.19% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.18% | -14.64% | -11.51% | -5.36% | -8.30% | -3.39% | -3.62% | -8.07% | -271 bps | |
| Loan Growth (YoY) | -10.71% | -21.07% | -14.10% | -8.28% | -11.58% | -12.35% | -23.05% | -19.91% | -1,162 bps | |
| Share Growth (YoY) | -16.43% | -18.05% | -14.18% | -10.64% | -10.96% | -3.75% | -5.33% | -7.54% | +310 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.08% | 3.52% | 2.32% | 2.39% | 2.24% | 1.98% | 2.43% | 1.41% | -98 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 | 0.32% | 1.02% | 1.00% | 0.68% | 1.08% | 1.21% | 1.37% | 1.62% | +94 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 16.98% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 16.98% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.56% | 59.41% | 59.38% | 63.40% | 60.14% | 54.10% | 48.26% | 54.92% | -848 bps | |
| Liquid Assets / Assets | 20.59% | 20.87% | 22.60% | 16.69% | 22.93% | 18.19% | 21.56% | 42.49% | +2,581 bps | |