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Letter portraitLegal landscapeQuarterYTD

Marshall Town & County Employees

Marshalltown, IA · Charter 63909

Q4 2000

$453KAssets
$363KLoans
$401KShares
$50KNet Worth

Executive Summary

  • Earnings: ROA of -1.37%, down 140 bps year over year; NIM at 6.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 10.98%.
  • Funding: loans stand at 90.69% of shares as of Q4 2000.

Return on Assets (quarter, annualized)

-1.37%-140 bps YoY

Net Interest Margin (quarter, annualized)

6.45%+91 bps YoY

Efficiency Ratio (quarter, annualized)

115.03%+1,732 bps YoY

Net Worth / Assets

10.98%
n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.63%2.68%2.70%0.03%0.02%0.03%0.06%-1.37%-140 bps
Return on Equityn/an/an/an/an/an/an/a-12.46%n/an/a
Net Interest Marginn/an/an/a5.54%5.30%4.98%5.27%6.45%+91 bps
Efficiency Ration/an/an/a97.71%99.60%99.46%98.94%115.03%+1,732 bps
Growth
Asset Growth (YoY)17.34%12.66%2.49%7.85%-3.76%0.88%-3.43%-14.93%-2,278 bps
Loan Growth (YoY)-8.81%8.64%15.15%-7.49%-4.30%-12.59%-6.39%7.51%+1,500 bps
Share Growth (YoY)23.73%14.22%2.78%9.08%-4.90%0.74%-3.62%-14.95%-2,402 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.57%0.50%0.53%0.75%0.75%0.71%0.70%1.19%+45 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a10.98%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a10.98%n/an/a
Liquidity & Funding
Loans / Shares72.34%90.32%83.64%71.74%72.80%78.37%81.23%90.69%+1,895 bps
Liquid Assets / Assets31.38%15.47%22.32%0.00%31.77%0.00%0.00%19.45%+1,945 bps