Moville, IA · Cert 10894
FDIC
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Moville, IA · Cert 10894
FDIC
Q3 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.64% | 0.69% | 0.82% | 0.88% | 0.52% | 0.63% | 0.73% | -9 bps | |
| Return on Equity | n/a | 7.38% | 7.97% | 9.51% | 10.06% | 5.61% | 6.77% | 8.09% | -142 bps | |
| Net Interest Margin | 3.18% | 3.28% | 3.25% | 3.31% | 3.39% | 2.80% | 2.85% | 2.84% | -47 bps | |
| Efficiency Ratio | 63.86% | 64.99% | 66.54% | 62.99% | 61.93% | 73.11% | 70.30% | 66.30% | +331 bps | |
| Non-Interest Burden | 1.74% | 2.03% | 2.02% | 1.86% | 1.84% | 1.83% | 1.74% | 1.62% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.35% | 8.81% | 10.53% | 7.14% | 2.47% | -1.82% | 2.53% | 8.58% | +145 bps | |
| Loan Growth (YoY) | 5.15% | 10.19% | 9.20% | 4.90% | 3.31% | -4.75% | 3.22% | 12.01% | +710 bps | |
| Deposit Growth (YoY) | 3.28% | -2.23% | 7.25% | 9.22% | 9.32% | 12.30% | -0.32% | 4.45% | -477 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | -0.01% | -0.02% | -0.01% | 0.01% | 0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 0.93% | 0.92% | 0.94% | 0.98% | 1.07% | 1.12% | 1.05% | 1.01% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.86% | 10.31% | 10.29% | 10.33% | 11.37% | 11.67% | 10.78% | 10.62% | +29 bps | |
| Equity / Assets | 8.77% | 8.57% | 8.54% | 8.72% | 9.28% | 9.43% | 8.98% | 8.61% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.29% | 119.11% | 112.33% | 112.30% | 103.27% | 101.03% | 116.32% | 120.42% | +812 bps | |
| Liquid Assets / Assets | 4.66% | 4.50% | 4.39% | 4.32% | 4.03% | 5.21% | 4.81% | 3.57% | -75 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |