St. Joseph, MO · Charter 63463
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
St. Joseph, MO · Charter 63463
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.76% | 3.12% | 2.37% | -1.79% | -1.17% | -492 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 | 4.32% | 4.65% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 68.18% | 62.89% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -2.07% | 6.16% | 0.63% | 8.32% | 1.39% | +346 bps | |
| Loan Growth (YoY) | 1.21% | 13.82% | -2.98% | -2.25% | -5.06% | -627 bps | |
| Share Growth (YoY) | -3.27% | 7.52% | 2.11% | 12.20% | 5.20% | +847 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.20% | 10.01% | 8.87% | 5.05% | 11.40% | +21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.62% | 4.63% | 2.73% | 4.35% | 6.53% | +292 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 | 76.91% | 72.96% | 67.33% | 65.97% | 69.41% | -750 bps | |
| Liquid Assets / Assets | 30.64% | 35.90% | 39.43% | 0.00% | 38.18% | +754 bps | |