Columbia, MO · Charter 67957
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.24% | 5.50% | 6.64% | 4.71% | 1.45% | 1.82% | 1.66% | 1.64% | -307 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 4.24% | 4.16% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.74% | 3.71% | 4.28% | 3.88% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 61.32% | 50.91% | 61.12% | 57.80% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.80% | 8.54% | -11.62% | -4.94% | -4.16% | 2.32% | -3.49% | -14.36% | -942 bps | |
| Loan Growth (YoY) | 3.75% | -8.30% | -16.01% | -17.27% | -28.73% | 0.09% | -13.18% | 0.05% | +1,733 bps | |
| Share Growth (YoY) | -1.98% | 5.91% | -22.69% | -12.24% | -10.34% | -1.73% | -10.36% | -24.94% | -1,270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 4.53% | 2.54% | 1.59% | 1.85% | 0.00% | 0.00% | 0.02% | -158 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 | 1.77% | 2.34% | 2.08% | 1.58% | 1.94% | 1.73% | 2.12% | 1.95% | +37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 39.20% | 39.36% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 39.20% | 39.36% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.73% | 83.61% | 112.43% | 91.70% | 76.09% | 85.15% | 108.89% | 122.22% | +3,053 bps | |
| Liquid Assets / Assets | 23.31% | 30.81% | 24.74% | 28.07% | 27.91% | 20.18% | 29.39% | 11.40% | -1,668 bps | |