Des Mo;ines, IA · Charter 65119
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.10% | 6.33% | 5.99% | 6.10% | 6.22% | 6.52% | 5.61% | -12.94% | -1,904 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 | n/a | 34.84% | 29.66% | 15.83% | 10.24% | -15.41% | -33.73% | -6,339 bps | |
| Loan Growth (YoY) | n/a | n/a | 4.73% | -0.07% | 11.47% | 18.77% | -4.60% | -4.75% | -468 bps | |
| Share Growth (YoY) | n/a | n/a | 34.10% | 36.16% | 14.95% | 13.00% | -18.51% | -30.42% | -6,658 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 3.41% | 1.53% | 0.06% | 0.06% | 2.05% | 2.00% | 69.84% | +6,978 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 | 1.67% | 3.24% | 3.21% | 3.48% | 3.16% | 2.99% | 3.57% | 22.68% | +1,920 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 | 88.92% | 88.19% | 79.39% | 71.04% | 86.23% | 92.69% | 92.95% | 97.25% | +2,621 bps | |
| Liquid Assets / Assets | 19.44% | 24.69% | 26.93% | 34.57% | 25.51% | 18.82% | 20.07% | 23.03% | -1,154 bps | |