Crystal City, MO · Charter 64498
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.96% | 4.36% | 4.60% | 4.01% | 4.07% | 3.66% | 0.02% | 0.03% | -398 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 | 1.38% | 1.43% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 94.20% | 97.73% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.11% | 9.16% | 8.30% | 7.37% | 4.52% | 3.52% | 13.24% | 4.90% | -247 bps | |
| Loan Growth (YoY) | -19.73% | -52.29% | -55.18% | -36.91% | -24.33% | -0.03% | 0.80% | -31.78% | +514 bps | |
| Share Growth (YoY) | 6.85% | 8.33% | 7.32% | 6.88% | 4.25% | 3.50% | 15.68% | 6.60% | -28 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.21% | 4.83% | 4.98% | 11.61% | 15.89% | 8.72% | 5.73% | 2.70% | -892 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 | 2.86% | 4.17% | 2.97% | 2.43% | 3.47% | 4.17% | 4.42% | 5.34% | +291 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 | 32.52% | 21.71% | 20.00% | 24.51% | 23.60% | 20.97% | 17.42% | 15.68% | -882 bps | |
| Liquid Assets / Assets | 70.80% | 80.35% | 81.01% | 75.89% | 77.76% | 78.00% | 82.69% | 83.75% | +786 bps | |