Westside, IA · Cert 238
FDIC
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.44% | 1.27% | 1.29% | 0.90% | 1.00% | 1.02% | 1.17% | -12 bps | |
| Return on Equity | 12.89% | 12.56% | 11.13% | 11.41% | 8.24% | 9.15% | 9.44% | 10.91% | -49 bps | |
| Net Interest Margin | 4.33% | 4.41% | 4.28% | 3.98% | 3.95% | 3.99% | 3.92% | 3.81% | -17 bps | |
| Efficiency Ratio | 50.54% | 51.77% | 53.68% | 54.65% | 67.27% | 65.51% | 62.35% | 60.38% | +573 bps | |
| Non-Interest Burden | 1.94% | 2.04% | 2.08% | 1.97% | 2.54% | 2.46% | 2.27% | 2.11% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.66% | 5.26% | 4.66% | 8.91% | 14.30% | 10.52% | 15.60% | 12.03% | +312 bps | |
| Loan Growth (YoY) | 10.77% | 8.13% | 10.68% | 10.66% | 17.75% | 12.54% | 11.74% | 14.99% | +433 bps | |
| Deposit Growth (YoY) | -1.28% | 3.25% | 1.64% | 4.70% | 7.63% | 7.94% | 22.39% | 17.53% | +1,282 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 | -0.82% | -0.36% | -0.22% | -0.17% | -0.04% | -0.02% | 0.05% | 0.04% | +21 bps | |
| Allowance / Loans | 1.48% | 1.37% | 1.36% | 1.40% | 1.35% | 1.32% | 1.27% | 1.27% | -13 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 | 14.03% | 14.67% | 12.88% | 13.29% | 13.57% | 13.73% | 12.28% | 12.54% | -75 bps | |
| Equity / Assets | 11.66% | 11.49% | 11.26% | 10.74% | 11.15% | 10.93% | 10.39% | 10.27% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.87% | 98.87% | 105.95% | 93.87% | 100.50% | 103.08% | 96.73% | 91.85% | -203 bps | |
| Liquid Assets / Assets | 0.28% | 0.19% | 0.22% | 0.78% | 0.26% | 0.10% | 0.25% | 0.13% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |