Cedar Rapids, IA · Charter 61655
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 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.
Cedar Rapids, IA · Charter 61655
Q1 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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.61% | 1.20% | 0.90% | 1.05% | 1.01% | 1.09% | 1.01% | 1.76% | +71 bps | |
| Return on Equity | n/a | n/a | 8.58% | 10.11% | 9.61% | 10.11% | 9.27% | 15.88% | +577 bps | |
| Net Interest Margin | 3.75% | 3.37% | 3.46% | 3.45% | 3.17% | 3.19% | 3.24% | 3.56% | +10 bps | |
| Efficiency Ratio | 62.57% | 69.00% | 71.53% | 73.47% | 74.13% | 72.80% | 73.69% | 59.59% | -1,388 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.56% | 15.87% | 6.02% | 8.12% | 11.27% | 3.07% | 6.60% | 4.92% | -320 bps | |
| Loan Growth (YoY) | 15.52% | 11.86% | 8.24% | 3.20% | 6.18% | 5.25% | 5.46% | 9.63% | +643 bps | |
| Share Growth (YoY) | 11.61% | 17.39% | 5.92% | 8.70% | 12.84% | 2.66% | 14.77% | 12.49% | +379 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.61% | 0.86% | 0.48% | 0.92% | 0.51% | 0.24% | 0.29% | -19 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 | 0.90% | 0.82% | 1.09% | 1.07% | 0.95% | 0.83% | 0.78% | 0.78% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 10.54% | 10.42% | 10.54% | 10.78% | 10.90% | 11.11% | +69 bps | |
| Net Worth / Assets | n/a | n/a | 10.54% | 10.42% | 10.54% | 10.78% | 10.90% | 11.11% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.80% | 95.96% | 99.74% | 92.59% | 96.73% | 98.38% | 91.64% | 90.24% | -235 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 3.89% | 9.88% | 9.86% | 10.77% | 10.66% | 7.00% | -288 bps | |