Estherville, IA · Charter 61217
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.01% | -0.09% | -0.83% | -0.31% | -0.46% | -0.41% | -4.23% | -340 bps | |
| Return on Equity | 1.21% | 0.08% | -1.03% | -9.84% | -3.70% | -5.53% | -4.82% | -85.27% | -7,543 bps | |
| Net Interest Margin | 3.59% | 3.49% | 3.50% | 3.60% | 3.45% | 3.48% | 3.64% | 3.56% | -3 bps | |
| Efficiency Ratio | 97.57% | 99.84% | 101.93% | 103.19% | 107.23% | 104.48% | 104.12% | 157.22% | +5,404 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.16% | -4.27% | 1.65% | 2.66% | -5.75% | -5.06% | -7.60% | -8.31% | -1,097 bps | |
| Loan Growth (YoY) | -9.41% | -8.62% | 29.51% | 37.37% | 35.30% | 29.65% | -6.72% | -14.58% | -5,195 bps | |
| Share Growth (YoY) | -6.86% | -4.70% | 2.54% | 3.74% | -5.16% | -4.46% | -7.78% | -4.77% | -851 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.63% | 3.81% | 2.23% | 2.24% | 2.11% | 1.23% | 1.54% | 1.06% | -118 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 | 1.76% | 1.70% | 1.71% | 1.68% | 1.76% | 0.74% | 0.81% | 2.18% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.89% | 8.95% | 8.28% | 8.39% | 8.48% | 8.35% | 8.57% | 4.96% | -343 bps | |
| Net Worth / Assets | 8.89% | 8.95% | 8.28% | 8.39% | 8.48% | 8.35% | 8.57% | 4.96% | -343 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.61% | 44.23% | 60.82% | 63.94% | 62.22% | 60.01% | 61.52% | 57.36% | -658 bps | |
| Liquid Assets / Assets | 52.92% | 53.49% | 38.48% | 36.03% | 33.22% | 24.44% | 23.93% | 28.04% | -798 bps | |