Cedar Rapids, IA · Charter 63897
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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 63897
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.09% | 0.74% | 0.68% | 1.15% | 1.13% | 0.02% | 0.33% | -35 bps | |
| Return on Equity | 13.75% | 12.12% | 8.54% | 8.19% | 13.58% | 12.85% | 0.29% | 3.66% | -454 bps | |
| Net Interest Margin | 4.57% | 4.33% | 4.14% | 4.08% | 4.34% | 4.36% | 4.19% | 4.37% | +29 bps | |
| Efficiency Ratio | 75.13% | 76.88% | 85.27% | 85.49% | 77.22% | 76.63% | 84.93% | 81.11% | -438 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.49% | 17.74% | 14.13% | 22.85% | 25.75% | 18.08% | 13.56% | 2.68% | -2,017 bps | |
| Loan Growth (YoY) | 15.11% | 17.19% | 21.60% | 24.84% | 25.78% | 16.75% | 4.77% | -0.41% | -2,526 bps | |
| Share Growth (YoY) | 21.61% | 16.73% | 7.96% | 2.74% | -3.26% | 2.93% | 2.31% | 4.23% | +149 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.59% | 0.66% | 0.80% | 0.62% | 1.06% | 1.14% | 1.31% | +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 | 0.63% | 0.66% | 0.62% | 0.45% | 0.51% | 0.62% | 0.90% | 0.94% | +49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.36% | 9.03% | 8.64% | 8.35% | 8.46% | 8.77% | 8.55% | 9.11% | +77 bps | |
| Net Worth / Assets | 9.36% | 9.03% | 8.64% | 8.35% | 8.46% | 8.77% | 8.55% | 9.11% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.48% | 110.14% | 108.16% | 119.94% | 130.64% | 124.93% | 110.76% | 114.60% | -535 bps | |
| Liquid Assets / Assets | 6.31% | 4.10% | 5.01% | 3.13% | 4.17% | 3.35% | 10.15% | 5.38% | +225 bps | |