Des Moines, IA · Charter 64238
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Des Moines, IA · Charter 64238
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | -0.16% | 0.03% | 0.12% | 0.41% | 0.35% | 0.24% | 0.37% | +25 bps | |
| Return on Equity | -3.99% | -1.96% | 0.38% | 1.28% | 4.29% | 3.78% | 2.75% | 4.06% | +279 bps | |
| Net Interest Margin | 2.88% | 3.17% | 3.10% | 3.64% | 3.85% | 3.79% | 3.71% | 3.87% | +22 bps | |
| Efficiency Ratio | 108.79% | 99.72% | 96.31% | 93.99% | 88.80% | 87.82% | 91.09% | 92.68% | -131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.39% | 5.87% | 10.28% | -4.15% | -12.68% | -5.50% | -7.08% | 3.10% | +725 bps | |
| Loan Growth (YoY) | 40.10% | 54.67% | 65.04% | 52.94% | 17.33% | 5.87% | 8.31% | 5.11% | -4,783 bps | |
| Share Growth (YoY) | 4.23% | -1.34% | -2.70% | -4.91% | -7.05% | -5.54% | -4.00% | -6.16% | -125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 1.33% | 0.45% | 0.52% | 0.36% | 0.67% | 0.70% | 0.87% | +35 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 | 0.54% | 0.75% | 0.35% | 0.63% | 0.68% | 0.69% | 0.65% | 0.65% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.10% | 8.28% | 7.98% | 9.01% | 9.51% | 9.18% | 8.84% | 9.05% | +4 bps | |
| Net Worth / Assets | 8.10% | 8.28% | 7.98% | 9.01% | 9.51% | 9.18% | 8.84% | 9.05% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.16% | 78.16% | 80.25% | 77.39% | 82.25% | 87.59% | 90.53% | 86.68% | +929 bps | |
| Liquid Assets / Assets | 9.48% | 10.39% | 15.42% | 11.44% | 11.56% | 15.67% | 14.60% | 22.45% | +1,102 bps | |