Middle, IA · Charter 64420
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.
Middle, IA · Charter 64420
Q1 2003
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 0.39% | 0.27% | 0.04% | -1.93% | -1.53% | -1.06% | 0.14% | +9 bps | |
| Return on Equity | 12.80% | 5.05% | 3.40% | 0.62% | -29.44% | -23.31% | -14.28% | 1.91% | +129 bps | |
| Net Interest Margin | 4.78% | 4.44% | 4.59% | 3.51% | 3.84% | 4.17% | 4.71% | 4.80% | +129 bps | |
| Efficiency Ratio | 71.86% | 71.91% | 73.48% | 91.39% | 91.36% | 83.09% | 78.27% | 63.81% | -2,757 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.00% | 12.04% | 10.72% | 13.88% | 7.82% | -1.40% | -5.44% | -13.74% | -2,762 bps | |
| Loan Growth (YoY) | -0.80% | -12.36% | -16.53% | -16.13% | -13.32% | -11.63% | -7.83% | -12.29% | +384 bps | |
| Share Growth (YoY) | 14.25% | 18.86% | 11.55% | 15.66% | 10.03% | 0.05% | -4.66% | -13.78% | -2,944 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.85% | 3.88% | 5.03% | 3.38% | 2.70% | 3.05% | 2.34% | 0.98% | -240 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 | 1.45% | 1.69% | 1.81% | 1.54% | 2.07% | 1.94% | 1.87% | 2.17% | +63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.28% | 7.63% | 8.03% | 7.09% | 6.57% | 6.56% | 7.43% | 7.22% | +13 bps | |
| Net Worth / Assets | 8.28% | 7.63% | 8.03% | 7.09% | 6.57% | 6.56% | 7.43% | 7.22% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.46% | 75.88% | 76.21% | 64.05% | 67.32% | 67.02% | 73.68% | 65.16% | +111 bps | |
| Liquid Assets / Assets | 16.67% | 27.97% | 27.92% | 34.79% | 25.75% | 28.06% | 19.71% | 29.68% | -511 bps | |