Lake Park, IA · Cert 15368
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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.53% | 0.66% | 0.82% | 0.83% | 0.81% | 4.78% | 3.27% | +245 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 12.24% | 66.88% | 46.44% | n/a | |
| Net Interest Margin | n/a | 2.78% | 2.97% | 3.13% | 3.16% | 4.22% | 4.47% | 4.60% | +147 bps | |
| Efficiency Ratio | n/a | 75.83% | 71.35% | 67.06% | 68.88% | 72.20% | 33.68% | 39.42% | -2,764 bps | |
| Non-Interest Burden | n/a | 1.95% | 1.92% | 1.88% | 1.98% | 2.88% | -3.33% | -1.48% | -336 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.05% | 12.23% | 10.46% | 2.78% | 14.10% | 11.54% | -15.98% | -11.95% | -1,473 bps | |
| Loan Growth (YoY) | 30.18% | 33.62% | 27.05% | 34.85% | 46.01% | 35.26% | 0.21% | -2.86% | -3,771 bps | |
| Deposit Growth (YoY) | 19.42% | 20.28% | 33.24% | 4.99% | 18.63% | 17.38% | -42.36% | -29.36% | -3,434 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 | n/a | 0.46% | 0.07% | 0.04% | 0.03% | 0.02% | 0.11% | 0.08% | +4 bps | |
| Allowance / Loans | n/a | 1.21% | 1.12% | 1.02% | 0.99% | 0.95% | 1.18% | 1.30% | +28 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 | n/a | 11.91% | 11.13% | 10.78% | 10.39% | 10.15% | 11.77% | 9.84% | -94 bps | |
| Equity / Assets | n/a | 7.09% | 6.57% | 7.11% | 6.55% | 6.65% | 8.47% | 6.74% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.88% | 80.07% | 82.76% | 96.49% | 84.78% | 92.26% | 143.89% | 132.69% | +3,620 bps | |
| Liquid Assets / Assets | 0.00% | 0.35% | 0.25% | 0.27% | 0.24% | 0.25% | 0.00% | 0.00% | -27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |