Mason City, IA · Charter 65103
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 | -4.99% | -1.04% | 2.88% | 2.70% | 3.57% | 0.20% | 1.05% | 0.62% | -208 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 | 6.88% | 7.94% | 8.40% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 97.04% | 86.78% | 92.58% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.48% | -13.66% | -25.20% | -27.59% | -26.91% | -27.83% | -26.22% | -24.77% | +282 bps | |
| Loan Growth (YoY) | -14.93% | -30.90% | -31.84% | -30.14% | -19.32% | -23.03% | -15.36% | -34.69% | -455 bps | |
| Share Growth (YoY) | -10.21% | -11.55% | -27.03% | -30.79% | -34.39% | -35.92% | -32.94% | -30.45% | +34 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.95% | 0.07% | 0.10% | 10.01% | 0.11% | 4.39% | 15.26% | 16.76% | +675 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 | 8.25% | 0.81% | 1.77% | 1.50% | 1.60% | 1.93% | 2.33% | 2.90% | +140 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 | 103.20% | 91.27% | 97.53% | 123.45% | 126.91% | 109.63% | 123.10% | 115.91% | -754 bps | |
| Liquid Assets / Assets | 4.03% | 4.07% | 15.99% | 2.67% | 2.91% | 0.00% | 0.00% | 0.00% | -267 bps | |