PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Iowa Resources Employees

Des Moines, IA · Charter 65108

Q2 1999

$4.7MAssets
$1.8MLoans
$4.2MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.33%, down 76 bps year over year.
  • Asset quality: problem loans at 1.10% of loans (-216 bps YoY).
  • Funding: loans stand at 43.56% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

3.33%-76 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.09%4.05%4.07%4.01%3.33%-76 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-3.53%-6.35%-9.34%-12.32%-8.28%-475 bps
Loan Growth (YoY)-15.76%-14.02%-7.06%11.55%14.31%+3,007 bps
Share Growth (YoY)-3.83%-6.49%-9.98%-13.50%-7.11%-327 bps
Asset Quality
Delinquent Loans / Loans3.26%2.77%2.06%1.07%1.10%-216 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.17%2.65%2.01%1.16%1.67%-50 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares35.40%34.28%36.35%43.56%43.56%+816 bps
Liquid Assets / Assets61.84%57.62%63.66%53.52%53.50%-834 bps