Faribault, MN · Charter 62671
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 1996, 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.
Faribault, MN · Charter 62671
Q2 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.25% | 4.28% | 3.51% | 4.38% | 3.33% | -92 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) | n/a | n/a | n/a | n/a | -2.47% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -11.61% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -5.54% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.00% | 3.20% | 1.19% | 0.00% | -12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.72% | 2.17% | 2.22% | 2.13% | 2.41% | +69 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 | 103.04% | 100.67% | 96.50% | 102.21% | 96.42% | -662 bps | |
| Liquid Assets / Assets | 14.86% | 19.14% | 22.80% | 19.67% | 25.35% | +1,049 bps | |