Ft. Madison, IA · Charter 65235
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Ft. Madison, IA · Charter 65235
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.35% | 5.66% | -0.79% | -21.55% | -36.31% | -4,166 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) | -4.84% | -22.09% | -44.55% | -61.20% | -70.61% | -6,578 bps | |
| Loan Growth (YoY) | -15.32% | -25.35% | -45.23% | -58.41% | -69.69% | -5,437 bps | |
| Share Growth (YoY) | -6.91% | -31.95% | -55.58% | -66.62% | -73.17% | -6,626 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.32% | 4.55% | 52.36% | 47.15% | 38.65% | +3,732 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 1.39% | 6.06% | 16.32% | 18.66% | +1,789 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 | 114.36% | 138.52% | 151.84% | 162.54% | 129.22% | +1,486 bps | |
| Liquid Assets / Assets | 7.90% | 1.76% | 2.38% | 3.58% | 4.48% | -342 bps | |