Milford, IA · Cert 218
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 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.
Milford, IA · Cert 218
FDIC
Q1 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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.49% | -0.24% | -0.19% | 0.05% | 0.34% | 0.45% | 0.72% | -2.35% | -240 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -34.82% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 2.88% | 2.96% | 3.16% | 3.12% | 2.74% | -15 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 98.48% | 89.50% | 87.74% | 94.83% | 100.61% | +213 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.84% | 2.61% | 2.74% | 2.95% | 2.76% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.56% | 19.62% | 5.24% | 16.32% | 24.76% | 10.28% | 11.81% | -3.99% | -2,030 bps | |
| Loan Growth (YoY) | 6.66% | 33.53% | 29.52% | 33.12% | 58.97% | 38.21% | 11.56% | -12.40% | -4,552 bps | |
| Deposit Growth (YoY) | 2.84% | 14.03% | 5.05% | 23.67% | 21.58% | 7.50% | 11.19% | -4.85% | -2,852 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 | n/a | n/a | 0.19% | 0.10% | 0.13% | 2.66% | 5.93% | +574 bps | |
| Allowance / Loans | n/a | n/a | n/a | 2.99% | 2.54% | 2.59% | 1.25% | 1.33% | -167 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 | n/a | n/a | 9.73% | 8.71% | 9.16% | 10.91% | 11.11% | +138 bps | |
| Equity / Assets | n/a | n/a | n/a | 6.36% | 6.02% | 6.61% | 6.64% | 6.86% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.37% | 74.05% | 74.94% | 82.34% | 94.62% | 95.20% | 75.19% | 75.81% | -653 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.98% | 0.90% | 0.49% | 0.47% | 0.52% | -46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |