Keokuk, IA · Charter 64470
Q1 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2000, the quarter ended March 31, 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.
Keokuk, IA · Charter 64470
Q1 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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q1 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.61% | 3.79% | 4.31% | 4.62% | 4.78% | 5.40% | 1.61% | -0.95% | -556 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 | 6.28% | 7.16% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 67.08% | 110.21% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.26% | -13.32% | -3.64% | -5.89% | 4.88% | 11.63% | 15.51% | -8.27% | -238 bps | |
| Loan Growth (YoY) | -2.43% | -6.81% | -5.61% | -2.74% | -2.00% | 26.39% | 21.34% | 6.25% | +899 bps | |
| Share Growth (YoY) | -20.44% | -16.69% | -6.91% | -9.68% | 2.39% | 9.84% | 14.66% | -12.47% | -279 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.33% | 6.94% | 4.40% | 1.78% | 1.18% | 1.08% | 0.64% | 5.67% | +389 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 | 3.32% | 4.51% | 3.37% | 3.80% | 4.02% | 3.66% | 4.02% | 4.80% | +100 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 | 94.21% | 87.40% | 91.76% | 85.49% | 90.17% | 100.57% | 97.10% | 103.77% | +1,828 bps | |
| Liquid Assets / Assets | 14.59% | 15.00% | 15.47% | 20.54% | 0.00% | 12.14% | 0.00% | 0.00% | -2,054 bps | |