Hudson, IA · Cert 16257
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.66% | 0.63% | 0.55% | 0.76% | 0.56% | 0.69% | -1.13% | -168 bps | |
| Return on Equity | 9.92% | 8.71% | 8.56% | 7.40% | 9.84% | 7.15% | 8.57% | -13.94% | -2,134 bps | |
| Net Interest Margin | 3.18% | 3.22% | 2.96% | 2.89% | 3.19% | 2.90% | 3.21% | 3.03% | +14 bps | |
| Efficiency Ratio | 67.64% | 62.79% | 68.37% | 74.16% | 68.61% | 75.27% | 72.06% | 102.51% | +2,835 bps | |
| Non-Interest Burden | 1.98% | 1.82% | 1.83% | 2.03% | 2.03% | 2.05% | 2.16% | 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 | 0.17% | 0.01% | 0.03% | -0.01% | 0.00% | 1.10% | 0.01% | 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 |