Hudson, IA · Cert 16257
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 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.
Hudson, IA · Cert 16257
FDIC
Q1 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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.75% | 0.72% | 0.55% | 0.65% | 0.62% | 0.64% | -1.13% | -168 bps | |
| Return on Equity | n/a | n/a | n/a | 7.40% | 8.62% | 8.13% | 8.24% | -13.94% | -2,134 bps | |
| Net Interest Margin | 3.36% | 3.28% | 3.18% | 2.89% | 3.07% | 3.05% | 3.13% | 3.03% | +14 bps | |
| Efficiency Ratio | 65.59% | 64.66% | 65.55% | 74.16% | 71.25% | 72.55% | 72.43% | 102.51% | +2,835 bps | |
| Non-Interest Burden | 2.04% | 1.94% | 1.90% | 2.03% | 2.05% | 2.07% | 2.13% | 3.11% | +108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.02% | 0.50% | -1.32% | -0.80% | -0.40% | -4.98% | -6.22% | -7.69% | -689 bps | |
| Loan Growth (YoY) | 10.09% | 8.15% | 1.16% | -2.95% | -3.15% | -8.11% | -5.89% | -5.80% | -284 bps | |
| Deposit Growth (YoY) | 6.46% | -0.27% | -3.34% | -1.16% | -0.26% | -4.15% | -5.77% | -8.89% | -773 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 | 0.08% | 0.06% | 0.05% | -0.01% | 0.00% | 0.36% | 0.28% | 0.07% | +7 bps | |
| Allowance / Loans | 0.56% | 0.64% | 0.72% | 0.74% | 0.74% | 0.47% | 0.48% | 1.00% | +26 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 | 10.13% | 10.08% | 12.25% | 10.70% | 10.67% | 10.51% | 10.36% | 11.18% | +48 bps | |
| Equity / Assets | 7.62% | 7.45% | 7.33% | 7.59% | 7.78% | 7.99% | 8.03% | 8.13% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.87% | 103.25% | 96.44% | 95.42% | 97.95% | 98.98% | 96.32% | 98.65% | +323 bps | |
| Liquid Assets / Assets | 0.13% | 0.14% | 0.14% | 0.15% | 0.15% | 0.14% | 0.14% | 0.13% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |