Decorah, IA · Charter 64744
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.
Decorah, IA · Charter 64744
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 | 0.92% | 1.13% | 1.03% | 1.03% | 1.03% | 1.04% | 0.88% | 3.17% | +214 bps | |
| Return on Equity | 6.28% | 7.11% | 6.60% | 6.25% | 6.18% | 6.18% | 5.35% | 17.13% | +1,087 bps | |
| Net Interest Margin | 3.12% | 3.50% | 3.35% | 3.27% | 3.26% | 3.33% | 3.23% | 5.17% | +189 bps | |
| Efficiency Ratio | 70.46% | 68.04% | 69.45% | 68.65% | 68.42% | 69.01% | 72.95% | 38.71% | -2,994 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.81% | 1.66% | -1.19% | -5.44% | -6.57% | 0.07% | -0.51% | -3.27% | +217 bps | |
| Loan Growth (YoY) | -9.78% | -8.46% | -5.58% | -5.76% | -1.81% | -6.53% | -7.15% | -7.95% | -219 bps | |
| Share Growth (YoY) | 12.33% | 3.22% | -0.07% | -7.21% | -8.61% | -2.10% | -2.52% | -5.07% | +214 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 7.24% | 0.62% | 7.99% | 0.00% | 0.94% | 0.51% | 0.65% | -733 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 | 2.83% | 2.69% | 2.75% | 2.99% | 2.88% | 2.88% | 2.96% | 3.25% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.65% | 15.87% | 15.61% | 16.48% | 16.70% | 16.77% | 16.50% | 18.51% | +203 bps | |
| Net Worth / Assets | 14.65% | 15.87% | 15.61% | 16.48% | 16.70% | 16.77% | 16.50% | 18.51% | +203 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.29% | 84.58% | 80.61% | 77.57% | 80.90% | 80.75% | 76.78% | 75.22% | -235 bps | |
| Liquid Assets / Assets | 36.71% | 29.36% | 32.96% | 35.71% | 33.43% | 32.57% | 36.47% | 39.18% | +347 bps | |