PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Journal Employees

Sioux City, IA · Charter 65200

Q2 1997

$117KAssets
$81KLoans
$93KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.33%, up 137 bps year over year.
  • Asset quality: problem loans at 1.56% of loans (+156 bps YoY).
  • Funding: loans stand at 87.47% of shares as of Q2 1997.

Return on Assets (quarter, annualized)

4.33%+137 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets1.79%2.47%2.96%4.32%2.41%2.97%4.33%+137 bps
Return on Equityn/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-23.97%-21.86%-26.14%n/a
Loan Growth (YoY)n/an/an/an/a104.91%67.78%-18.64%n/a
Share Growth (YoY)n/an/an/an/a-30.48%-26.11%-30.34%n/a
Asset Quality
Delinquent Loans / Loans0.19%0.00%0.00%1.52%1.03%1.19%1.56%+156 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans3.22%2.53%1.61%1.78%2.21%2.12%2.77%+116 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares29.87%41.43%74.90%102.83%88.06%94.08%87.47%+1,258 bps
Liquid Assets / Assets16.59%19.11%34.65%9.76%10.38%11.34%18.60%-1,605 bps