Preston, IA · Cert 241
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Preston, IA · Cert 241
FDIC
Q3 2001
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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.64% | 1.52% | 1.43% | 1.39% | 1.29% | 1.49% | 1.70% | +27 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 2.89% | 2.88% | 3.01% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 53.39% | 53.04% | 52.90% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 1.39% | 1.37% | 1.43% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.86% | 1.75% | 2.23% | 2.10% | 7.46% | 3.79% | 4.70% | -0.62% | -272 bps | |
| Loan Growth (YoY) | -1.01% | -1.18% | -0.18% | -1.20% | 4.00% | 5.24% | 5.11% | 0.89% | +209 bps | |
| Deposit Growth (YoY) | -1.47% | 2.08% | 1.78% | 2.67% | 2.91% | -0.32% | 1.12% | 0.43% | -225 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 | n/a | n/a | 0.04% | 0.00% | 0.00% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 0.99% | 1.00% | 1.01% | n/a | |
| 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 | n/a | n/a | 13.08% | 12.63% | 12.95% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 9.11% | 8.97% | 9.58% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.94% | 80.41% | 81.74% | 85.23% | 80.80% | 84.89% | 84.97% | 85.63% | +40 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 |