Iowa City, IA · Cert 19535
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.02% | 0.09% | 2.68% | 2.63% | 2.60% | -9.73% | 2.05% | 1.81% | -82 bps | |
| Return on Equity | 15.29% | 0.67% | 18.14% | 16.92% | 16.65% | -68.86% | 15.08% | 12.62% | -430 bps | |
| Net Interest Margin | 3.10% | 0.90% | 3.59% | 3.70% | 3.54% | 3.39% | 3.58% | 2.70% | -100 bps | |
| Efficiency Ratio | 34.75% | 82.76% | 28.23% | 29.65% | 30.63% | 36.87% | 32.85% | 43.41% | +1,376 bps | |
| Non-Interest Burden | 0.85% | 0.66% | 0.62% | 0.82% | 0.74% | 0.80% | 0.67% | 0.69% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.43% | -8.01% | -9.65% | -5.01% | -1.10% | 6.30% | 0.53% | 3.59% | +860 bps | |
| Loan Growth (YoY) | 2.45% | 6.01% | -0.57% | -0.47% | 3.57% | 4.34% | -7.84% | -19.17% | -1,870 bps | |
| Deposit Growth (YoY) | 3.98% | 7.79% | 2.25% | 5.53% | 1.02% | -1.79% | -8.00% | -2.63% | -816 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 | 0.00% | 0.00% | 0.00% | 0.43% | 0.56% | 16.99% | 0.38% | 0.00% | -43 bps | |
| Allowance / Loans | 0.86% | 0.88% | 0.95% | 0.88% | 0.78% | 0.88% | 1.22% | 1.46% | +58 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 | 21.32% | 22.35% | 23.71% | 23.92% | 24.54% | 20.47% | 24.20% | 26.56% | +265 bps | |
| Equity / Assets | 13.34% | 14.32% | 15.18% | 15.85% | 15.34% | 12.92% | 14.38% | 14.28% | -157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.24% | 115.39% | 113.33% | 114.68% | 117.12% | 122.58% | 113.52% | 95.19% | -1,948 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |