Fairfield, IA · Charter 64393
Q2 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q1 2000 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.79% | 4.03% | 4.10% | 4.40% | 3.14% | 0.05% | 2.55% | 1.36% | -304 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 | 5.43% | 7.27% | 6.63% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 88.97% | 61.07% | 67.64% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.38% | -3.99% | -7.45% | -15.74% | 1.64% | 10.02% | 10.37% | 12.82% | +2,855 bps | |
| Loan Growth (YoY) | -30.50% | -26.59% | -16.19% | -15.71% | 17.39% | 31.07% | 5.02% | 5.99% | +2,170 bps | |
| Share Growth (YoY) | 15.44% | -3.78% | -6.55% | -17.98% | 0.73% | 10.33% | 10.72% | 13.86% | +3,184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.14% | 1.25% | 1.18% | 1.92% | 5.23% | 5.31% | 4.30% | 2.86% | +93 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 | 2.01% | 2.52% | 2.30% | 2.73% | 1.24% | 1.65% | 1.93% | 2.21% | -52 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 | 69.62% | 78.48% | 91.11% | 87.57% | 81.14% | 93.24% | 86.42% | 81.52% | -605 bps | |
| Liquid Assets / Assets | 29.89% | 20.68% | 12.50% | 14.41% | 23.09% | 0.00% | 0.00% | 0.00% | -1,441 bps | |