Osawatomie, KS · Charter 62891
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.13% | 5.36% | 5.80% | 5.59% | 4.77% | 4.11% | 4.59% | 3.41% | -218 bps | |
| Return on Equity | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 10.92% | 5.58% | 6.79% | 11.75% | 8.85% | 6.86% | 12.47% | +568 bps | |
| Loan Growth (YoY) | n/a | -4.43% | -9.90% | -4.71% | 6.25% | 8.25% | 1.00% | 16.32% | +2,103 bps | |
| Share Growth (YoY) | n/a | 5.05% | -1.10% | 0.68% | 7.89% | 5.49% | 3.57% | 11.79% | +1,111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.49% | 0.00% | 0.49% | 0.00% | 0.00% | -49 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 | 1.69% | 1.72% | 1.66% | 1.68% | 1.10% | 1.15% | 1.35% | 1.24% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.53% | 78.58% | 90.36% | 89.48% | 88.16% | 80.64% | 88.11% | 93.11% | +363 bps | |
| Liquid Assets / Assets | 25.15% | 32.33% | 27.23% | 28.78% | 28.16% | 33.07% | 30.71% | 23.21% | -557 bps | |