Sioux City, IA · Charter 63929
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.
Sioux City, IA · Charter 63929
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q1 2000 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.27% | 1.79% | -0.39% | 0.24% | 0.18% | -209 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 | 5.13% | 5.12% | 5.37% | n/a | |
| Efficiency Ratio | n/a | n/a | 94.86% | 95.62% | 96.92% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -2.06% | -8.04% | -5.21% | -7.56% | -13.78% | -1,172 bps | |
| Loan Growth (YoY) | -33.29% | -37.17% | -24.31% | -13.20% | -7.70% | +2,558 bps | |
| Share Growth (YoY) | -3.41% | -10.31% | -6.48% | -9.20% | -16.82% | -1,341 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.68% | 1.18% | 0.27% | 0.27% | 1.43% | -25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.59% | 1.95% | 1.90% | 1.92% | 1.94% | +36 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 | 49.45% | 45.84% | 53.66% | 53.13% | 54.87% | +542 bps | |
| Liquid Assets / Assets | 51.55% | 50.62% | 31.13% | 33.25% | 32.01% | -1,955 bps | |