Waterloo, IA · Charter 62723
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Waterloo, IA · Charter 62723
Q4 2001
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 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | -0.50% | -0.14% | -0.66% | -0.86% | -0.88% | -1.70% | -0.84% | -18 bps | |
| Return on Equity | n/a | n/a | n/a | -7.26% | -9.90% | -10.18% | -20.60% | -9.31% | -205 bps | |
| Net Interest Margin | 4.18% | 4.22% | 4.43% | 4.72% | 3.77% | 3.56% | 3.53% | 4.33% | -40 bps | |
| Efficiency Ratio | 86.81% | 79.67% | 79.40% | 82.73% | 91.64% | 96.65% | 98.97% | 90.10% | +737 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.65% | 7.88% | 8.98% | 5.75% | 2.83% | -9.32% | -11.26% | -8.45% | -1,420 bps | |
| Loan Growth (YoY) | -11.34% | 20.31% | 35.29% | 35.77% | 12.87% | -29.70% | -37.85% | -42.65% | -7,841 bps | |
| Share Growth (YoY) | 0.61% | -5.67% | 3.70% | 7.27% | 3.93% | 5.64% | -5.49% | -8.50% | -1,577 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.43% | 1.88% | 2.24% | 2.29% | 2.25% | 2.83% | 3.14% | 2.80% | +51 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 | 2.09% | 2.09% | 1.87% | 2.31% | 2.53% | 2.66% | 3.81% | 3.39% | +108 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 9.04% | 8.69% | 8.62% | 8.23% | 9.03% | -1 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 9.04% | 8.69% | 8.62% | 8.23% | 9.03% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.41% | 100.40% | 92.67% | 85.49% | 75.38% | 66.82% | 60.94% | 53.58% | -3,191 bps | |
| Liquid Assets / Assets | 17.33% | 15.94% | 10.66% | 18.47% | 27.30% | 34.99% | 40.88% | 46.62% | +2,815 bps | |