Waterloo, IA · Charter 64885
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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 64885
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.21% | 0.10% | 0.35% | 0.28% | 0.24% | 0.06% | 0.43% | +8 bps | |
| Return on Equity | 1.80% | 1.08% | 0.54% | 1.78% | 1.47% | 1.21% | 0.27% | 2.17% | +38 bps | |
| Net Interest Margin | 3.50% | 3.94% | 3.85% | 3.88% | 3.78% | 4.00% | 3.88% | 3.79% | -9 bps | |
| Efficiency Ratio | 91.18% | 94.75% | 97.34% | 91.12% | 92.64% | 93.94% | 98.59% | 88.74% | -238 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.33% | -13.59% | -16.34% | -14.05% | -9.00% | -4.52% | -3.49% | -1.43% | +1,262 bps | |
| Loan Growth (YoY) | -1.10% | -1.29% | 18.78% | 26.04% | 5.55% | 7.07% | -13.17% | 2.15% | -2,389 bps | |
| Share Growth (YoY) | -2.86% | -16.49% | -19.67% | -16.99% | -10.92% | -5.71% | -4.40% | -2.16% | +1,483 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.96% | 0.93% | 0.84% | 0.94% | 0.91% | 0.87% | 0.96% | 0.92% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.30% | 19.27% | 19.34% | 19.50% | 19.06% | 20.29% | 20.08% | 19.86% | +36 bps | |
| Net Worth / Assets | 17.30% | 19.27% | 19.34% | 19.50% | 19.06% | 20.29% | 20.08% | 19.86% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.37% | 33.53% | 37.55% | 33.54% | 33.62% | 38.07% | 34.11% | 35.02% | +148 bps | |
| Liquid Assets / Assets | 19.92% | 19.16% | 1.90% | 4.62% | 0.00% | 0.00% | 0.00% | 0.00% | -462 bps | |