Kirksville, MO · Charter 64083
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 | 3.80% | 3.11% | 3.13% | 3.72% | 2.30% | 2.93% | 2.67% | 0.07% | -365 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 | 3.94% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 98.22% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.43% | -5.97% | -3.45% | -12.15% | -6.24% | -9.27% | -12.88% | -2.11% | +1,004 bps | |
| Loan Growth (YoY) | -8.14% | -32.76% | 6.83% | 38.85% | 16.96% | 21.58% | -4.71% | -26.41% | -6,526 bps | |
| Share Growth (YoY) | -2.50% | -6.32% | -3.96% | -15.13% | -7.85% | -11.48% | -15.28% | -2.79% | +1,234 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.53% | 6.19% | 1.35% | 3.26% | 0.08% | 1.22% | 0.00% | 0.00% | -326 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 | 1.53% | 2.73% | 2.39% | 0.87% | 1.00% | 0.69% | 0.67% | 0.73% | -14 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 | 33.20% | 28.03% | 38.06% | 50.12% | 42.14% | 38.49% | 42.81% | 37.94% | -1,218 bps | |
| Liquid Assets / Assets | 47.36% | 54.62% | 63.86% | 53.68% | 18.23% | 19.05% | 58.91% | 35.53% | -1,815 bps | |