Kellogg, IA · Charter 64248
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Kellogg, IA · Charter 64248
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 | 1.26% | 1.31% | 1.42% | 0.89% | 0.37% | 0.59% | 0.78% | 2.55% | +166 bps | |
| Return on Equity | n/a | n/a | 16.99% | 10.40% | 4.37% | 6.78% | 8.57% | 25.42% | +1,502 bps | |
| Net Interest Margin | 4.49% | 4.14% | 4.02% | 3.45% | 3.60% | 3.83% | 3.89% | 4.22% | +77 bps | |
| Efficiency Ratio | 54.65% | 53.60% | 53.26% | 61.80% | 55.82% | 51.05% | 52.26% | 39.91% | -2,189 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.84% | -6.71% | -1.67% | 4.29% | 6.99% | 1.92% | 1.21% | -2.56% | -685 bps | |
| Loan Growth (YoY) | -14.13% | -7.17% | -2.28% | 1.53% | 2.66% | -3.38% | -6.66% | -10.08% | -1,160 bps | |
| Share Growth (YoY) | -16.80% | -17.35% | -7.41% | 10.86% | 9.93% | 12.60% | 8.01% | -3.77% | -1,463 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.21% | 2.50% | 2.75% | 2.60% | 2.02% | 1.07% | 1.28% | 1.11% | -149 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 | 1.84% | 2.02% | 1.96% | 1.97% | 2.61% | 1.96% | 1.86% | 1.84% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 8.38% | 8.59% | 8.45% | 8.72% | 9.05% | 10.02% | +144 bps | |
| Net Worth / Assets | n/a | n/a | 8.38% | 8.59% | 8.45% | 8.72% | 9.05% | 10.02% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.63% | 96.64% | 92.81% | 83.83% | 82.77% | 82.92% | 80.20% | 78.34% | -550 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 1.15% | 8.42% | 10.90% | 9.57% | 12.20% | 11.76% | +334 bps | |