Fonda, IA · Charter 64906
Q4 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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.54% | -2.67% | 2.89% | 0.73% | 1.49% | 1.19% | -0.03% | 0.02% | -71 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.06% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 8.43% | 7.87% | 7.88% | 13.07% | 12.65% | +423 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 86.25% | 81.07% | 84.92% | 100.26% | 99.82% | +1,357 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -27.27% | -29.36% | -34.78% | -38.39% | -27.66% | -18.50% | -54.46% | -52.52% | -1,412 bps | |
| Loan Growth (YoY) | -23.45% | -31.72% | -42.45% | -59.94% | -63.67% | -51.30% | -34.72% | -27.71% | +3,222 bps | |
| Share Growth (YoY) | -26.09% | -31.10% | -35.31% | -40.07% | -27.31% | -21.18% | -64.36% | -62.88% | -2,282 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.01% | 1.33% | 1.50% | 1.02% | 0.84% | 0.36% | 0.00% | 0.00% | -102 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 | 5.34% | 1.68% | 4.55% | 5.78% | 7.24% | 6.79% | 6.97% | 7.99% | +222 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 34.65% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 34.65% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.74% | 93.40% | 76.71% | 62.86% | 52.85% | 57.71% | 140.51% | 122.43% | +5,957 bps | |
| Liquid Assets / Assets | 5.55% | 16.90% | 15.64% | 0.00% | 0.00% | 0.00% | 0.00% | 23.78% | +2,378 bps | |