Anita, IA · Cert 26246
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.41% | 1.22% | 0.87% | 1.22% | -0.09% | -0.78% | 0.72% | -15 bps | |
| Return on Equity | 11.93% | 14.73% | 12.67% | 8.73% | 11.86% | -0.89% | -7.15% | 5.98% | -275 bps | |
| Net Interest Margin | 4.42% | 4.62% | 4.52% | 4.05% | 4.51% | 4.36% | -8.83% | 4.00% | -5 bps | |
| Efficiency Ratio | 61.58% | 56.41% | 60.32% | 67.33% | 59.38% | 70.20% | 62.41% | 70.07% | +274 bps | |
| Non-Interest Burden | 2.50% | 2.32% | 2.48% | 2.54% | 2.42% | 2.89% | -5.66% | 2.74% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.45% | 7.51% | 16.93% | 3.85% | 4.58% | 1.64% | -0.43% | 0.51% | -335 bps | |
| Loan Growth (YoY) | 5.08% | 7.90% | 7.65% | 7.44% | 4.69% | -2.68% | -5.18% | -6.09% | -1,352 bps | |
| Deposit Growth (YoY) | 1.95% | 6.32% | 15.98% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.05% | 0.16% | 0.17% | -0.02% | 1.92% | -2.44% | 0.07% | -9 bps | |
| Allowance / Loans | 1.13% | 1.12% | 1.23% | 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 | 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 | 12.52% | 12.29% | 12.02% | 12.03% | 13.15% | 13.03% | 10.02% | 10.20% | -183 bps | |
| Equity / Assets | 9.62% | 9.54% | 9.67% | 10.19% | 10.39% | 10.17% | 11.71% | 12.23% | +204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.35% | 111.24% | 100.12% | 108.07% | 116.57% | 109.98% | 100.64% | 106.44% | -163 bps | |
| Liquid Assets / Assets | 0.89% | 0.85% | 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 |