Ottumwa, IA · Charter 61061
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.
Ottumwa, IA · Charter 61061
Q2 2002
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.11% | 0.41% | 0.34% | 0.40% | -3.99% | 0.01% | 0.16% | -19 bps | |
| Return on Equity | n/a | 0.40% | 1.49% | 1.24% | 1.44% | -17.08% | 0.06% | 0.65% | -60 bps | |
| Net Interest Margin | 5.10% | 5.20% | 5.06% | 4.92% | 4.76% | 3.34% | 4.72% | 4.59% | -33 bps | |
| Efficiency Ratio | 77.57% | 86.79% | 82.92% | 87.20% | 87.69% | 215% | 99.71% | 96.64% | +944 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.51% | -5.66% | -4.27% | -3.88% | -2.54% | 0.23% | -2.17% | -2.51% | +138 bps | |
| Loan Growth (YoY) | 4.28% | 6.09% | 3.03% | -4.40% | -9.25% | -15.70% | -20.97% | -18.75% | -1,436 bps | |
| Share Growth (YoY) | -2.96% | -7.87% | -5.76% | -5.13% | -3.37% | 4.46% | 2.61% | 2.19% | +732 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.94% | 1.98% | 1.89% | 1.37% | 0.81% | 0.17% | 2.23% | 0.15% | -122 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 | 2.04% | 2.23% | 1.30% | 1.42% | 1.55% | 1.53% | 1.87% | 1.96% | +54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 27.42% | 27.18% | 27.46% | 27.54% | 23.36% | 23.64% | 23.98% | -347 bps | |
| Net Worth / Assets | n/a | 27.42% | 27.18% | 27.46% | 27.54% | 23.36% | 23.64% | 23.98% | -347 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.06% | 101.51% | 97.70% | 96.92% | 89.27% | 81.92% | 75.25% | 77.05% | -1,987 bps | |
| Liquid Assets / Assets | 0.00% | 27.09% | 28.87% | 29.77% | 35.38% | 38.14% | 42.65% | 41.56% | +1,179 bps | |