Ames, IA · Charter 64260
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Ames, IA · Charter 64260
Q2 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1998 | Q2 1999 | Q4 1999 | Q1 2000 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.95% | 3.42% | 0.53% | 0.06% | -0.71% | -266 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.68% | 5.18% | 5.02% | n/a | |
| Efficiency Ratio | n/a | n/a | 88.62% | 82.06% | 91.79% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -9.64% | 4.11% | 0.37% | -7.17% | -15.10% | -546 bps | |
| Loan Growth (YoY) | 1.48% | 2.57% | -11.55% | -7.19% | -14.00% | -1,548 bps | |
| Share Growth (YoY) | -9.08% | 5.76% | 1.38% | -6.59% | -16.51% | -743 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.45% | 0.40% | 0.40% | 0.77% | 0.95% | -150 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.37% | 2.05% | 2.10% | 2.10% | 1.87% | -50 bps | |
| Capital | |||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.98% | 58.31% | 62.05% | 65.91% | 72.09% | +211 bps | |
| Liquid Assets / Assets | 31.74% | 42.67% | 0.00% | 9.46% | 10.74% | -2,100 bps | |