Mediapolis, IA · Cert 34379
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Mediapolis, IA · Cert 34379
FDIC
Q2 2002
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.32% | 0.56% | 0.28% | 0.40% | 0.06% | -0.42% | 0.05% | -23 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -4.38% | 0.47% | n/a | |
| Net Interest Margin | n/a | n/a | 3.14% | 3.26% | 3.23% | 0.35% | 3.25% | 3.49% | +23 bps | |
| Efficiency Ratio | n/a | n/a | 69.34% | 69.56% | 68.71% | 70.73% | 69.78% | 64.39% | -517 bps | |
| Non-Interest Burden | n/a | n/a | 2.07% | 2.15% | 2.10% | 0.24% | 2.31% | 2.36% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.90% | 18.92% | 16.53% | 6.46% | 6.15% | -0.23% | -5.76% | -6.05% | -1,251 bps | |
| Loan Growth (YoY) | 18.16% | 16.84% | 20.20% | 8.88% | 2.35% | -7.13% | -17.56% | -14.52% | -2,340 bps | |
| Deposit Growth (YoY) | 3.09% | 7.50% | 9.21% | 10.01% | 9.19% | -1.98% | -8.42% | -13.63% | -2,365 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 | 0.46% | 0.26% | 0.03% | 0.05% | 3.59% | 1.76% | +151 bps | |
| Allowance / Loans | n/a | n/a | 0.91% | 1.24% | 1.48% | 2.18% | 1.99% | 2.04% | +80 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 | n/a | n/a | 10.61% | 10.95% | 11.30% | 11.76% | 12.20% | 12.26% | +131 bps | |
| Equity / Assets | n/a | n/a | 7.44% | 7.53% | 7.52% | 9.52% | 9.80% | 10.32% | +278 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.16% | 108.99% | 115.12% | 116.24% | 107.00% | 103.27% | 103.63% | 115.04% | -120 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 |