Valley, NE · Charter 64025
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.14% | 3.44% | 3.92% | 4.30% | 3.29% | 4.35% | 3.73% | 0.03% | -427 bps | |
| Return on Equity | n/a | n/a | 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 | 8.40% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 59.99% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.33% | 33.49% | 38.04% | 32.13% | 27.71% | 16.97% | 19.54% | 24.87% | -726 bps | |
| Loan Growth (YoY) | 35.69% | 41.93% | 59.30% | 32.22% | 19.34% | 13.56% | 13.85% | 25.79% | -643 bps | |
| Share Growth (YoY) | 17.87% | 27.79% | 31.85% | 41.43% | 36.88% | 22.95% | 26.09% | 26.86% | -1,458 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.38% | 2.58% | 2.00% | 4.52% | 5.40% | 2.34% | 3.32% | 4.80% | +28 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 | 1.27% | 2.30% | 2.84% | 3.79% | 4.27% | 3.30% | 1.66% | 2.67% | -112 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 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 | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 116.19% | 115.29% | 114.91% | 105.39% | 101.30% | 106.48% | 103.76% | 104.51% | -89 bps | |
| Liquid Assets / Assets | 2.69% | 0.78% | 1.04% | 0.60% | 5.87% | 7.39% | 7.58% | 7.26% | +666 bps | |