PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Quaker Oats Employees

St. Joseph, MO · Charter 64096

Q4 1999

$4.5MAssets
$2.6MLoans
$3.8MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.46%, down 391 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.12% of loans (-15 bps YoY).
  • Funding: loans stand at 68.09% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

1.46%-391 bps YoY

Net Interest Margin (YTD, annualized)

4.06%
n/a

Efficiency Ratio (YTD, annualized)

63.15%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets10.76%5.20%5.45%5.37%4.83%4.98%4.70%1.46%-391 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.06%n/an/a
Efficiency Ration/an/an/an/an/an/an/a63.15%n/an/a
Growth
Asset Growth (YoY)-2.02%5.16%13.06%11.34%20.33%11.21%7.46%3.07%-827 bps
Loan Growth (YoY)10.04%9.52%4.05%2.38%2.50%-2.29%-4.66%-7.37%-975 bps
Share Growth (YoY)-4.39%3.35%12.65%10.71%20.08%10.68%5.81%0.54%-1,017 bps
Asset Quality
Delinquent Loans / Loans0.07%0.18%0.17%0.26%0.00%0.03%0.61%0.12%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.32%0.18%0.23%0.38%0.16%0.16%0.07%0.08%-30 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 / Shares79.92%77.37%75.28%73.90%68.22%68.30%67.84%68.09%-581 bps
Liquid Assets / Assets26.81%31.07%33.03%34.41%39.09%37.17%39.50%0.00%-3,441 bps