Monticello, IA · Cert 20121
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Monticello, IA · Cert 20121
FDIC
Q4 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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.90% | 0.69% | 0.67% | 0.99% | -1.09% | -0.38% | 0.15% | -52 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 9.98% | -10.88% | -3.80% | 1.49% | n/a | |
| Net Interest Margin | 3.45% | 3.42% | 3.73% | 3.40% | 3.80% | 3.85% | 4.01% | 3.55% | +15 bps | |
| Efficiency Ratio | 68.90% | 69.62% | 72.50% | 72.76% | 69.44% | 73.90% | 69.51% | 69.50% | -326 bps | |
| Non-Interest Burden | 2.28% | 2.26% | 2.59% | 2.36% | 2.54% | 2.70% | 2.62% | 2.31% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.73% | -3.75% | 0.67% | 1.49% | -4.97% | -6.73% | -1.09% | 3.43% | +194 bps | |
| Loan Growth (YoY) | 1.02% | -1.58% | -2.34% | 0.95% | -2.29% | -5.74% | -5.32% | -12.27% | -1,322 bps | |
| Deposit Growth (YoY) | 3.80% | -0.20% | 2.03% | 6.66% | 1.12% | -6.74% | -0.91% | 4.00% | -266 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 | -0.03% | 0.19% | 0.17% | 0.13% | 0.00% | 5.52% | 3.43% | 2.68% | +256 bps | |
| Allowance / Loans | 0.94% | 0.84% | 1.09% | 1.04% | 1.05% | 0.94% | 1.29% | 0.95% | -9 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 | 13.93% | 15.78% | 16.05% | 16.61% | 16.37% | 16.08% | 16.02% | 17.50% | +89 bps | |
| Equity / Assets | 8.65% | 10.01% | 9.51% | 10.04% | 9.83% | 10.33% | 9.71% | 9.80% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.78% | 71.61% | 65.38% | 69.16% | 65.49% | 72.39% | 62.47% | 58.34% | -1,082 bps | |
| Liquid Assets / Assets | 4.93% | 5.54% | 18.03% | 5.44% | 5.22% | 5.47% | 4.96% | 4.79% | -65 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |