Smithville, MO · Charter 64000
Q4 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.15% | 3.68% | 4.09% | 4.07% | 1.43% | -0.39% | -407 bps | |
| Return on Equity | n/a | 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 | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -10.49% | -19.36% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -7.92% | -17.79% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -14.76% | -18.27% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 2.62% | 4.95% | 6.58% | 10.94% | 10.32% | 12.70% | +776 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.46% | 1.09% | 1.22% | 1.37% | 2.50% | 4.86% | +378 bps | |
| Capital | ||||||||
| Risk-Based Capital | n/a | 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 | n/a |
| Liquidity & Funding | ||||||||
| Loans / Shares | 101.67% | 109.81% | 94.07% | 100.72% | 109.84% | 110.46% | +65 bps | |
| Liquid Assets / Assets | 6.01% | 0.91% | 3.49% | 3.38% | 1.10% | 4.33% | +343 bps | |