Boone, IA · Charter 60684
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Boone, IA · Charter 60684
Q1 2003
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.17% | 1.06% | 0.34% | 0.90% | 1.08% | 1.18% | 0.43% | +9 bps | |
| Return on Equity | 13.64% | 12.61% | 11.13% | 3.78% | 9.30% | 10.85% | 10.62% | 4.17% | +39 bps | |
| Net Interest Margin | 5.14% | 4.93% | 4.87% | 4.04% | 4.39% | 4.76% | 5.21% | 4.49% | +45 bps | |
| Efficiency Ratio | 81.62% | 80.98% | 81.22% | 93.93% | 85.31% | 82.65% | 81.68% | 93.18% | -74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.10% | 5.35% | 15.23% | 13.43% | 7.26% | -0.89% | -7.50% | -5.83% | -1,927 bps | |
| Loan Growth (YoY) | 2.21% | -1.90% | 0.35% | 8.58% | 6.64% | 4.60% | 1.22% | -10.65% | -1,923 bps | |
| Share Growth (YoY) | -0.68% | 5.19% | 16.72% | 14.84% | 7.96% | -1.39% | -9.72% | -7.77% | -2,261 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.10% | 0.00% | 0.14% | 0.06% | 0.35% | 0.44% | 0.38% | +23 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 | 1.94% | 1.91% | 1.85% | 1.78% | 1.65% | 1.75% | 1.84% | 2.03% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.41% | 9.29% | 9.55% | 9.11% | 9.65% | 9.96% | 11.09% | 10.40% | +130 bps | |
| Net Worth / Assets | 9.41% | 9.29% | 9.55% | 9.11% | 9.65% | 9.96% | 11.09% | 10.40% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.70% | 88.35% | 84.92% | 84.37% | 94.53% | 93.71% | 95.21% | 81.74% | -264 bps | |
| Liquid Assets / Assets | 10.68% | 17.03% | 19.60% | 20.00% | 8.61% | 9.15% | 8.98% | 22.43% | +243 bps | |