Marshalltown, IA · Charter 63909
Q4 2000
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 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.63% | 2.68% | 2.70% | 0.03% | 0.02% | 0.03% | 0.06% | -1.37% | -140 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -12.46% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.54% | 5.30% | 4.98% | 5.27% | 6.45% | +91 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 97.71% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.57% | 0.50% | 0.53% | 0.75% | 0.75% | 0.71% | 0.70% | 1.19% | +45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 10.98% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 10.98% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.34% | 90.32% | 83.64% | 71.74% | 72.80% | 78.37% | 81.23% | 90.69% | +1,895 bps | |
| Liquid Assets / Assets | 31.38% | 15.47% | 22.32% | 0.00% | 31.77% | 0.00% | 0.00% | 19.45% | +1,945 bps | |