Sunburst, MT · Charter 9393
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.03% | 4.59% | 4.35% | 4.27% | 4.65% | 4.46% | 4.49% | 3.90% | -37 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 | n/a | n/a | 20.85% | 12.83% | 10.06% | 10.24% | 3.24% | -1,762 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -10.77% | -6.71% | 3.74% | 0.57% | 20.88% | +3,165 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 25.88% | 13.25% | 9.44% | 8.80% | 0.38% | -2,550 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.24% | 4.34% | 13.98% | 35.45% | 13.68% | 14.03% | 4.42% | 5.21% | -3,024 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 | 1.93% | 2.07% | 2.27% | 2.65% | 2.05% | 2.15% | 2.01% | 2.33% | -32 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 | 99.63% | 89.54% | 85.19% | 68.45% | 82.07% | 84.88% | 78.75% | 82.43% | +1,398 bps | |
| Liquid Assets / Assets | 10.87% | 17.85% | 22.17% | 36.11% | 25.70% | 23.28% | 28.42% | 20.92% | -1,519 bps | |