West Des Moines, IA · Charter 63222
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 | 0.54% | 0.42% | 0.22% | 0.51% | -0.24% | 0.15% | -0.02% | 1.15% | +63 bps | |
| Return on Equity | n/a | n/a | 3.01% | 9.16% | -4.58% | 2.66% | -0.40% | 16.99% | +782 bps | |
| Net Interest Margin | 5.81% | 5.44% | 5.31% | 4.30% | 4.11% | 4.29% | 4.57% | 6.54% | +224 bps | |
| Efficiency Ratio | 85.13% | 86.49% | 87.06% | 81.39% | 82.64% | 81.06% | 78.74% | 49.80% | -3,159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.68% | 8.11% | 17.66% | 42.36% | 47.17% | 37.25% | 30.72% | -12.57% | -5,492 bps | |
| Loan Growth (YoY) | 63.41% | 49.68% | 25.55% | 25.67% | 26.44% | 24.61% | 21.36% | 15.05% | -1,062 bps | |
| Share Growth (YoY) | 5.16% | 4.61% | 15.06% | 45.56% | 55.15% | 45.16% | 37.62% | -17.50% | -6,306 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 1.31% | 1.17% | 1.96% | 0.72% | 0.95% | 1.23% | 1.43% | -54 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 | 1.04% | 1.05% | 0.95% | 0.92% | 1.12% | 1.01% | 1.26% | 1.08% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 7.18% | 5.58% | 5.25% | 5.52% | 5.47% | 6.74% | +117 bps | |
| Net Worth / Assets | n/a | n/a | 7.18% | 5.58% | 5.25% | 5.52% | 5.47% | 6.74% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.40% | 100.84% | 99.36% | 75.51% | 81.82% | 86.57% | 87.62% | 105.30% | +2,979 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 6.19% | 25.16% | 19.03% | 14.55% | 13.85% | 1.87% | -2,328 bps | |