Des Moines, IA · Charter 65108
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.37% | 4.85% | 4.68% | 4.09% | 4.05% | 4.07% | 4.01% | 3.33% | -76 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -2.14% | -6.00% | -3.53% | -6.35% | -9.34% | -12.32% | -8.28% | -475 bps | |
| Loan Growth (YoY) | n/a | -20.87% | -24.40% | -15.76% | -14.02% | -7.06% | 11.55% | 14.31% | +3,007 bps | |
| Share Growth (YoY) | n/a | -3.93% | -5.46% | -3.83% | -6.49% | -9.98% | -13.50% | -7.11% | -327 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 2.19% | 1.42% | 3.26% | 2.77% | 2.06% | 1.07% | 1.10% | -216 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 | 2.63% | 2.80% | 2.04% | 2.17% | 2.65% | 2.01% | 1.16% | 1.67% | -50 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 | 37.28% | 35.21% | 33.78% | 35.40% | 34.28% | 36.35% | 43.56% | 43.56% | +816 bps | |
| Liquid Assets / Assets | 60.48% | 62.51% | 64.38% | 61.84% | 57.62% | 63.66% | 53.52% | 53.50% | -834 bps | |