Anita, IA · Cert 26246
FDIC
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Anita, IA · Cert 26246
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 1.04% | 0.66% | 0.30% | 0.72% | -15 bps | |
| Return on Equity | 8.73% | 10.31% | 6.53% | 2.85% | 5.98% | -275 bps | |
| Net Interest Margin | 4.05% | 4.31% | 4.27% | 0.93% | 4.00% | -5 bps | |
| Efficiency Ratio | 67.33% | 63.17% | 65.55% | 60.49% | 70.07% | +274 bps | |
| Non-Interest Burden | 2.54% | 2.49% | 2.59% | 0.49% | 2.74% | +20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.85% | 4.58% | 1.64% | -0.43% | 0.51% | -335 bps | |
| Loan Growth (YoY) | 7.44% | 4.69% | -2.68% | -5.18% | -6.09% | -1,352 bps | |
| Deposit Growth (YoY) | 0.18% | -1.79% | -1.57% | -5.67% | -4.65% | -483 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.07% | 0.69% | -0.03% | 0.07% | -9 bps | |
| Allowance / Loans | 1.20% | 1.19% | 1.21% | 1.45% | 1.45% | +24 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 12.03% | 13.15% | 13.03% | 10.02% | 10.20% | -183 bps | |
| Equity / Assets | 10.19% | 10.39% | 10.17% | 11.71% | 12.23% | +204 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 108.07% | 116.57% | 109.98% | 100.64% | 106.44% | -163 bps | |
| Liquid Assets / Assets | 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 |