Oelwein, IA · Charter 65132
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 4.25% | 5.07% | 3.42% | 3.46% | 2.66% | 3.24% | 2.95% | -47 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | n/a | n/a | -17.93% | -8.53% | -5.48% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -35.88% | -32.86% | -35.09% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -23.76% | -13.97% | -9.75% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 4.62% | 0.40% | 22.77% | 6.63% | 1.71% | 2.24% | 3.68% | -1,909 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 2.75% | 2.94% | 2.39% | 2.96% | 1.01% | 1.10% | -184 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 83.69% | 83.64% | 86.87% | 81.12% | 70.39% | 65.28% | 62.48% | -2,439 bps | |
| Liquid Assets / Assets | 31.03% | 36.02% | 10.63% | 39.37% | 18.04% | 29.92% | 55.90% | +4,527 bps | |