Manning, IA · Cert 239
FDIC
Q1 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.62% | 1.72% | 1.69% | 1.76% | 1.67% | 1.62% | 2.98% | 8.66% | +690 bps | |
| Return on Equity | 20.85% | 21.68% | 21.06% | 21.02% | 19.83% | 19.00% | 33.23% | 63.64% | +4,262 bps | |
| Net Interest Margin | 3.93% | 4.32% | 4.28% | 3.87% | 3.98% | 4.02% | 4.25% | 4.18% | +31 bps | |
| Efficiency Ratio | 44.31% | 43.16% | 44.79% | 46.18% | 46.87% | 49.20% | 35.28% | 19.08% | -2,710 bps | |
| Non-Interest Burden | 1.39% | 1.48% | 1.54% | 1.31% | 1.47% | 1.61% | -0.42% | -7.77% | -908 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.81% | -8.43% | -11.03% | -8.59% | -2.06% | -4.05% | -33.64% | -52.00% | -4,341 bps | |
| Loan Growth (YoY) | -7.61% | -9.59% | -10.23% | -9.50% | -10.67% | -19.56% | -29.19% | -47.13% | -3,763 bps | |
| Deposit Growth (YoY) | -8.02% | -8.76% | -11.82% | -9.16% | -2.10% | -4.36% | -36.91% | -66.74% | -5,757 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 | 0.01% | 0.02% | 0.03% | 0.07% | 0.03% | -0.03% | -0.01% | 0.02% | -5 bps | |
| Allowance / Loans | 1.22% | 1.20% | 1.30% | 1.30% | 1.33% | 1.42% | 1.65% | 2.23% | +93 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 | 11.43% | 11.52% | 12.13% | 12.29% | 12.61% | 13.53% | 15.87% | 21.82% | +952 bps | |
| Equity / Assets | 8.29% | 8.55% | 8.28% | 8.45% | 8.50% | 8.97% | 11.50% | 16.57% | +813 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.71% | 93.69% | 83.37% | 84.45% | 82.76% | 78.80% | 93.57% | 134.24% | +4,979 bps | |
| Liquid Assets / Assets | 4.96% | 5.13% | 4.35% | 5.11% | 5.59% | 5.05% | 6.81% | 8.32% | +321 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |