Sioux City, IA · Charter 64220
Q2 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.51% | 3.32% | 3.50% | 3.62% | 3.91% | 3.29% | 3.58% | 3.28% | -35 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 4.77% | 2.85% | 6.36% | 3.01% | 5.07% | 9.38% | 7.33% | +97 bps | |
| Loan Growth (YoY) | n/a | -3.44% | -9.28% | -3.06% | 1.40% | 19.39% | 6.75% | 5.66% | +872 bps | |
| Share Growth (YoY) | n/a | 2.88% | 0.99% | 4.24% | 0.83% | 3.48% | 8.30% | 6.41% | +217 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 0.47% | 0.19% | 0.18% | 0.15% | 0.25% | 0.61% | 0.73% | +54 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 | 0.49% | 0.52% | 0.47% | 0.45% | 0.43% | 0.53% | 0.66% | 0.65% | +20 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 | 92.24% | 76.51% | 85.37% | 83.29% | 92.77% | 88.27% | 84.14% | 82.70% | -58 bps | |
| Liquid Assets / Assets | 9.04% | 22.67% | 17.70% | 19.70% | 12.72% | 14.83% | 21.77% | 21.11% | +141 bps | |