Saint Ansgar, IA · Cert 14688
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 | -1.74% | -1.45% | -1.90% | -2.04% | -2.36% | -2.53% | -1.99% | -1.97% | +7 bps | |
| Return on Equity | n/a | -19.71% | -24.31% | -25.26% | -26.15% | -21.89% | -17.93% | -18.08% | +718 bps | |
| Net Interest Margin | 2.55% | 2.13% | 2.19% | 2.45% | 2.48% | 3.12% | 3.09% | 3.14% | +69 bps | |
| Efficiency Ratio | 124.74% | 140.21% | 154.70% | 157.76% | 164.44% | 140.57% | 137.56% | 143.08% | -1,468 bps | |
| Non-Interest Burden | 3.67% | 3.59% | 4.05% | 4.50% | 4.71% | 4.59% | 4.41% | 4.68% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.09% | 3.22% | 7.14% | 1.21% | 2.00% | 18.55% | 16.56% | 13.55% | +1,235 bps | |
| Loan Growth (YoY) | -13.08% | -15.94% | -15.62% | -16.92% | 21.64% | 57.63% | 49.83% | 29.80% | +4,672 bps | |
| Deposit Growth (YoY) | 6.66% | 5.68% | 5.08% | -1.71% | -7.32% | 15.03% | 15.31% | 16.42% | +1,813 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 | 1.09% | 0.31% | 0.00% | 0.30% | 0.09% | 0.20% | 0.10% | 0.08% | -22 bps | |
| Allowance / Loans | 1.11% | 1.13% | 1.23% | 0.99% | 1.01% | 1.20% | 1.31% | 1.47% | +48 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 | 14.87% | 14.00% | 16.63% | 16.83% | 20.84% | 17.06% | 17.69% | 16.93% | +9 bps | |
| Equity / Assets | 7.44% | 7.23% | 8.84% | 8.80% | 12.64% | 10.55% | 10.33% | 10.13% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.60% | 54.77% | 56.44% | 60.29% | 75.60% | 75.06% | 73.34% | 67.22% | +693 bps | |
| Liquid Assets / Assets | 1.00% | 1.01% | 3.43% | 11.56% | 10.35% | 7.14% | 8.35% | 6.28% | -528 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |