Johnston, IA · Charter 64209
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Johnston, IA · Charter 64209
Q1 2003
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 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.44% | -0.39% | -1.17% | -0.59% | 0.83% | +126 bps | |
| Return on Equity | -8.85% | -8.00% | -24.90% | -11.26% | 14.99% | +2,384 bps | |
| Net Interest Margin | 4.47% | 4.39% | 4.90% | 5.09% | 4.26% | -21 bps | |
| Efficiency Ratio | 96.49% | 91.20% | 84.92% | 82.49% | 87.26% | -923 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.75% | -2.57% | -8.52% | -14.39% | -14.78% | -1,402 bps | |
| Loan Growth (YoY) | -19.58% | -19.88% | -19.99% | -19.53% | -19.80% | -22 bps | |
| Share Growth (YoY) | -1.11% | -2.79% | -8.65% | -14.64% | -15.35% | -1,424 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.70% | 1.18% | 4.91% | 4.47% | 4.46% | +276 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.81% | 1.40% | 3.21% | 2.93% | 3.07% | +126 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.92% | 4.83% | 4.68% | 5.23% | 5.50% | +59 bps | |
| Net Worth / Assets | 4.92% | 4.83% | 4.68% | 5.23% | 5.50% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.78% | 71.29% | 75.65% | 74.06% | 69.90% | -388 bps | |
| Liquid Assets / Assets | 17.97% | 18.65% | 21.05% | 22.81% | 26.71% | +874 bps | |