PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sioux City Postal Employees

Sioux City, IA · Charter 63929

Q2 2000

$3.4MAssets
$1.5MLoans
$2.7MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.18%, down 209 bps year over year; NIM at 5.37%.
  • Asset quality: problem loans at 1.43% of loans (-25 bps YoY).
  • Funding: loans stand at 54.87% of shares as of Q2 2000.

Return on Assets (YTD, annualized)

0.18%-209 bps YoY

Net Interest Margin (YTD, annualized)

5.37%

Efficiency Ratio (YTD, annualized)

96.92%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets2.55%3.18%2.45%2.27%1.79%-0.39%0.24%0.18%-209 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a5.13%5.12%5.37%n/a
Efficiency Ration/an/an/an/an/a94.86%95.62%96.92%n/a
Growth
Asset Growth (YoY)-16.92%-20.59%-12.14%-2.06%-8.04%-5.21%-7.56%-13.78%-1,172 bps
Loan Growth (YoY)-34.27%-33.88%-34.20%-33.29%-37.17%-24.31%-13.20%-7.70%+2,558 bps
Share Growth (YoY)-19.95%-24.62%-15.78%-3.41%-10.31%-6.48%-9.20%-16.82%-1,341 bps
Asset Quality
Delinquent Loans / Loans2.84%0.90%0.24%1.68%1.18%0.27%0.27%1.43%-25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.77%1.29%1.46%1.59%1.95%1.90%1.92%1.94%+36 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares65.43%66.30%55.58%49.45%45.84%53.66%53.13%54.87%+542 bps
Liquid Assets / Assets35.26%35.57%41.61%51.55%50.62%31.13%33.25%32.01%-1,955 bps