Des Moines, IA · Charter 63889
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Des Moines, IA · Charter 63889
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.18% | 3.30% | 3.74% | 3.57% | 3.77% | +58 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) | -11.89% | -6.79% | -10.14% | -3.93% | 5.33% | +1,721 bps | |
| Loan Growth (YoY) | 9.37% | 14.35% | 10.45% | 9.06% | 7.93% | -144 bps | |
| Share Growth (YoY) | -11.16% | -9.59% | -12.42% | -5.93% | 3.24% | +1,440 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.13% | 0.31% | 0.16% | 0.13% | -36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.57% | 1.47% | 1.40% | 1.37% | 1.29% | -28 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 | 75.87% | 77.34% | 86.92% | 81.00% | 79.32% | +345 bps | |
| Liquid Assets / Assets | 15.99% | 17.65% | 9.07% | 18.34% | 20.42% | +443 bps | |