Mason City, IA · Charter 65041
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.
Mason City, IA · Charter 65041
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 | 2.78% | 2.90% | 2.14% | 3.34% | 4.57% | +179 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) | -0.47% | -3.68% | -13.13% | -8.33% | -17.14% | -1,667 bps | |
| Loan Growth (YoY) | 9.85% | 3.68% | -5.61% | -5.25% | -2.13% | -1,198 bps | |
| Share Growth (YoY) | 3.27% | 13.23% | 0.71% | -7.85% | -17.93% | -2,120 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 1.53% | 0.30% | 0.05% | 0.00% | -154 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.95% | 1.66% | 1.68% | 1.74% | 1.51% | +57 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 | 72.57% | 81.29% | 86.97% | 86.82% | 86.54% | +1,397 bps | |
| Liquid Assets / Assets | 14.74% | 9.80% | 12.68% | 7.13% | 5.96% | -878 bps | |