Ankeny, IA · Charter 60034
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.
Ankeny, IA · Charter 60034
Q1 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.53% | 0.46% | 0.32% | 0.56% | 0.62% | 0.68% | 1.31% | +99 bps | |
| Return on Equity | 5.28% | 5.55% | 4.90% | 3.64% | 6.25% | 6.82% | 7.46% | 14.16% | +1,053 bps | |
| Net Interest Margin | 3.61% | 3.76% | 3.74% | 3.75% | 3.77% | 3.73% | 3.75% | 3.72% | -2 bps | |
| Efficiency Ratio | 87.44% | 85.25% | 85.61% | 92.06% | 86.30% | 84.66% | 84.02% | 75.33% | -1,673 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.67% | 6.58% | 6.30% | 8.30% | 10.31% | 11.20% | 8.71% | 6.67% | -164 bps | |
| Loan Growth (YoY) | -4.13% | 5.22% | 14.58% | 19.69% | 20.33% | 12.14% | 8.10% | -14.43% | -3,412 bps | |
| Share Growth (YoY) | 6.91% | 7.11% | 6.69% | 8.77% | 10.98% | 11.85% | 8.83% | 6.56% | -221 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.49% | 1.86% | 1.22% | 1.62% | 0.90% | 1.46% | 0.55% | 0.68% | -94 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.34% | 1.17% | 1.12% | 1.06% | 0.99% | 0.99% | 0.85% | 1.04% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.40% | 9.53% | 9.31% | 8.84% | 8.93% | 9.03% | 9.18% | 9.23% | +39 bps | |
| Net Worth / Assets | 9.40% | 9.53% | 9.31% | 8.84% | 8.93% | 9.03% | 9.18% | 9.23% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.92% | 67.21% | 67.63% | 64.44% | 68.22% | 67.39% | 67.18% | 51.74% | -1,269 bps | |
| Liquid Assets / Assets | 25.41% | 21.26% | 19.62% | 23.98% | 13.84% | 16.01% | 18.66% | 35.31% | +1,133 bps | |