Independence, KS · Charter 67811
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.79% | 4.59% | 5.03% | 3.77% | 3.99% | 3.76% | 4.10% | 2.99% | -78 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 | 9.87% | 14.26% | 15.37% | 16.74% | 8.75% | 12.70% | 7.81% | -756 bps | |
| Loan Growth (YoY) | n/a | 10.94% | 23.63% | 24.45% | 12.22% | 21.49% | 5.05% | -7.34% | -3,178 bps | |
| Share Growth (YoY) | n/a | 8.44% | 12.80% | 13.94% | 14.59% | 7.41% | 11.87% | 6.97% | -697 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.64% | 2.36% | 0.98% | 1.14% | 3.02% | 1.63% | 1.95% | 1.45% | +31 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 | 0.75% | 0.79% | 0.27% | 0.55% | 0.51% | 0.64% | 0.44% | 0.63% | +9 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 | 99.11% | 73.81% | 96.28% | 85.45% | 97.05% | 83.48% | 90.41% | 74.03% | -1,143 bps | |
| Liquid Assets / Assets | 1.90% | 24.56% | 0.42% | 14.64% | 4.91% | 14.34% | 9.49% | 24.55% | +991 bps | |