Newton, IA · Charter 64311
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Newton, IA · Charter 64311
Q2 1998
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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.03% | 3.44% | 4.33% | 4.62% | 5.02% | -1 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 | 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 |
| Growth | |||||||
| Asset Growth (YoY) | 5.98% | 10.60% | 8.44% | 16.69% | 2.13% | -386 bps | |
| Loan Growth (YoY) | -8.78% | -14.94% | -9.35% | -1.95% | -24.74% | -1,596 bps | |
| Share Growth (YoY) | 6.03% | 13.54% | 8.71% | 19.12% | 1.25% | -478 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.86% | 3.18% | 5.28% | 5.37% | 1.98% | +112 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.82% | 1.87% | 1.96% | 1.93% | 3.73% | +191 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 | 76.79% | 70.70% | 69.85% | 70.42% | 57.08% | -1,972 bps | |
| Liquid Assets / Assets | 29.43% | 35.15% | 35.19% | 34.57% | 45.70% | +1,626 bps | |