Mount Pleasant, IA · Cert 4522
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 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.
Mount Pleasant, IA · Cert 4522
FDIC
Q2 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | -0.18% | -0.30% | 0.01% | 0.02% | 0.15% | 0.15% | -0.10% | -11 bps | |
| Return on Equity | -1.09% | -2.75% | -4.20% | 0.12% | 0.23% | 1.86% | 1.71% | -1.07% | -119 bps | |
| Net Interest Margin | 3.13% | 3.20% | 2.82% | 3.01% | 3.19% | 3.36% | 3.27% | 3.23% | +22 bps | |
| Efficiency Ratio | 102.68% | 102.02% | 112.68% | 106.19% | 104.85% | 99.64% | 96.41% | 104.63% | -156 bps | |
| Non-Interest Burden | 3.23% | 3.28% | 3.25% | 3.23% | 3.38% | 3.34% | 3.13% | 3.40% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.48% | -9.01% | -13.96% | -14.63% | -17.64% | -16.17% | -9.94% | -7.08% | +755 bps | |
| Loan Growth (YoY) | -13.98% | -23.52% | -33.86% | -35.31% | -39.56% | -32.41% | -21.33% | -21.66% | +1,365 bps | |
| Deposit Growth (YoY) | -6.69% | -9.38% | -14.34% | -14.27% | -15.17% | -13.90% | -7.44% | -4.82% | +945 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 | 0.21% | 0.47% | -0.86% | -0.48% | -0.48% | -0.43% | -0.05% | -0.07% | +41 bps | |
| Allowance / Loans | 1.10% | 1.48% | 2.00% | 1.86% | 2.07% | 2.23% | 2.28% | 2.40% | +54 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 | 14.11% | 15.05% | 20.01% | 21.85% | 23.58% | 26.91% | 26.60% | 27.39% | +554 bps | |
| Equity / Assets | 6.84% | 6.74% | 7.63% | 8.07% | 8.70% | 9.00% | 9.03% | 9.06% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.88% | 62.09% | 55.18% | 55.03% | 51.92% | 48.74% | 46.90% | 45.29% | -974 bps | |
| Liquid Assets / Assets | 25.63% | 24.77% | 35.98% | 43.08% | 45.74% | 48.55% | 49.79% | 48.00% | +492 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |