Moville, IA · Cert 10894
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.64% | 0.73% | 1.08% | 1.05% | 0.52% | 0.73% | 0.94% | -14 bps | |
| Return on Equity | 11.29% | 7.38% | 8.55% | 12.51% | 11.65% | 5.61% | 7.92% | 10.67% | -184 bps | |
| Net Interest Margin | 3.27% | 3.28% | 3.35% | 3.42% | 3.46% | 2.80% | 2.91% | 3.19% | -23 bps | |
| Efficiency Ratio | 61.02% | 64.99% | 67.95% | 56.96% | 58.98% | 73.11% | 67.70% | 59.24% | +228 bps | |
| Non-Interest Burden | 1.57% | 2.03% | 2.08% | 1.55% | 1.66% | 1.83% | 1.66% | 1.58% | +4 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 | 0.18% | 0.00% | -0.01% | -0.03% | 0.00% | 0.01% | 0.00% | -0.03% | 0 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 |