Sioux City, IA · Cert 35167
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 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.
Sioux City, IA · Cert 35167
FDIC
Q1 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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.16% | -0.64% | -0.29% | 0.69% | 0.64% | 0.60% | 0.07% | 0.34% | -35 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.95% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.05% | 3.70% | 3.21% | 3.12% | 2.79% | -127 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 74.91% | 71.94% | 71.39% | 73.51% | 92.08% | +1,717 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.80% | 2.36% | 1.99% | 2.01% | 2.50% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 151.05% | 122.61% | 95.50% | 54.37% | 36.90% | 35.18% | 13.94% | 23.61% | -3,076 bps | |
| Loan Growth (YoY) | 360% | 147.59% | 119.17% | 66.46% | 59.78% | 41.82% | 6.14% | 4.58% | -6,188 bps | |
| Deposit Growth (YoY) | 205% | 165.58% | 105.25% | 49.93% | 29.34% | 30.59% | 16.59% | 23.98% | -2,595 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 | 0.00% | 0.01% | 0.01% | 0.04% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.01% | 1.02% | 1.15% | 2.12% | 2.04% | +103 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 | n/a | 12.32% | 11.25% | 11.48% | 11.05% | 12.23% | -8 bps | |
| Equity / Assets | n/a | n/a | n/a | 10.34% | 9.49% | 8.89% | 8.91% | 8.31% | -203 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.14% | 89.52% | 101.98% | 106.69% | 108.88% | 97.22% | 92.84% | 89.99% | -1,670 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |