Sioux City, IA · Charter 65200
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Sioux City, IA · Charter 65200
Q2 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.96% | 4.32% | 2.41% | 2.97% | 4.33% | +137 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | -23.97% | -21.86% | -26.14% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 104.91% | 67.78% | -18.64% | n/a | |
| Share Growth (YoY) | n/a | n/a | -30.48% | -26.11% | -30.34% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 1.52% | 1.03% | 1.19% | 1.56% | +156 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.61% | 1.78% | 2.21% | 2.12% | 2.77% | +116 bps | |
| Capital | |||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.90% | 102.83% | 88.06% | 94.08% | 87.47% | +1,258 bps | |
| Liquid Assets / Assets | 34.65% | 9.76% | 10.38% | 11.34% | 18.60% | -1,605 bps | |