West Burlington, IA · Cert 12129
FDIC
Q3 2002
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 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 1.00% | 0.86% | 0.99% | 1.11% | +11 bps | |
| Return on Equity | n/a | n/a | 9.10% | 10.46% | 11.72% | n/a | |
| Net Interest Margin | 3.40% | 3.40% | 3.60% | 3.52% | 3.39% | -1 bps | |
| Efficiency Ratio | 75.07% | 73.95% | 76.10% | 72.93% | 69.70% | -537 bps | |
| Non-Interest Burden | 2.31% | 2.28% | 2.56% | 2.33% | 2.10% | -21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.73% | 10.27% | 8.51% | 5.94% | 15.61% | +687 bps | |
| Loan Growth (YoY) | -2.82% | 2.44% | 2.06% | 4.46% | 1.95% | +477 bps | |
| Deposit Growth (YoY) | 13.28% | 11.59% | 7.49% | 3.80% | 4.15% | -913 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.10% | 0.01% | 0.11% | 0.53% | +53 bps | |
| Allowance / Loans | 0.86% | 0.85% | 0.91% | 0.96% | 0.69% | -18 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 16.30% | 16.08% | 15.81% | 16.46% | 15.74% | -56 bps | |
| Equity / Assets | 9.94% | 9.50% | 9.38% | 9.60% | 9.39% | -54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.61% | 58.93% | 58.88% | 56.91% | 57.37% | -124 bps | |
| Liquid Assets / Assets | 1.98% | 3.12% | 2.78% | 1.85% | 1.40% | -58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |