Waterloo, IA · Charter 64378
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 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.
Waterloo, IA · Charter 64378
Q1 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | 0.09% | -0.04% | 0.07% | -0.77% | -0.84% | -0.96% | -0.52% | -59 bps | |
| Return on Equity | -3.65% | 0.87% | -0.35% | 0.71% | -7.89% | -8.95% | -9.63% | -5.04% | -575 bps | |
| Net Interest Margin | 4.13% | 4.66% | 4.98% | 4.15% | 3.86% | 3.93% | 4.38% | 4.33% | +18 bps | |
| Efficiency Ratio | 83.49% | 80.54% | 84.28% | 93.49% | 106.78% | 101.72% | 102.38% | 90.90% | -259 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.94% | 7.00% | 2.23% | -6.54% | -2.92% | 6.58% | 3.32% | -8.12% | -158 bps | |
| Loan Growth (YoY) | 21.16% | 21.35% | 15.36% | 14.51% | -10.64% | -17.82% | -17.64% | -17.22% | -3,173 bps | |
| Share Growth (YoY) | 25.56% | 8.21% | 3.38% | -6.54% | -2.69% | 8.58% | 4.75% | -8.05% | -152 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.54% | 1.78% | 1.29% | 1.85% | 2.42% | 3.99% | 3.16% | 4.06% | +221 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 | 0.58% | 0.64% | 0.61% | 0.76% | 0.83% | 1.00% | 1.46% | 1.46% | +70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.84% | 10.91% | 11.30% | 10.51% | 9.74% | 9.35% | 9.97% | 10.28% | -23 bps | |
| Net Worth / Assets | 9.84% | 10.91% | 11.30% | 10.51% | 9.74% | 9.35% | 9.97% | 10.28% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.97% | 81.94% | 82.70% | 73.32% | 65.17% | 62.02% | 65.03% | 66.00% | -731 bps | |
| Liquid Assets / Assets | 25.49% | 16.29% | 17.75% | 26.61% | 34.74% | 39.39% | 37.25% | 36.75% | +1,014 bps | |