Fort Dodge, IA · Charter 64135
Q1 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2001, the quarter ended March 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.
Fort Dodge, IA · Charter 64135
Q1 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 1.30% | 2.89% | 1.27% | -0.29% | -104 bps | |
| Return on Equity | n/a | n/a | n/a | 8.03% | -1.66% | n/a | |
| Net Interest Margin | 5.13% | 5.52% | 6.93% | 6.38% | 4.08% | -105 bps | |
| Efficiency Ratio | 77.66% | 69.02% | 60.34% | 72.91% | 98.84% | +2,118 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.09% | 6.29% | -17.38% | -24.13% | -31.22% | -4,131 bps | |
| Loan Growth (YoY) | 32.98% | 31.75% | 13.97% | -7.87% | -19.30% | -5,227 bps | |
| Share Growth (YoY) | 8.72% | 5.06% | -23.00% | -34.13% | -48.91% | -5,763 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.60% | 1.38% | 3.61% | 7.67% | 26.96% | +2,437 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.86% | 2.85% | 2.84% | 3.39% | 3.98% | +112 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 15.87% | 17.55% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 15.87% | 17.55% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.81% | 105.07% | 118.31% | 136.07% | 149.76% | +5,495 bps | |
| Liquid Assets / Assets | 15.72% | 5.40% | 0.00% | 0.02% | 3.79% | -1,193 bps | |