Ames, IA · Charter 64898
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.
Ames, IA · Charter 64898
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 | 1.08% | 1.05% | 1.03% | 0.99% | 1.06% | 1.13% | 1.14% | 1.19% | +19 bps | |
| Return on Equity | 9.21% | 8.97% | 9.09% | 9.04% | 9.81% | 10.31% | 10.59% | 11.30% | +226 bps | |
| Net Interest Margin | 4.37% | 4.27% | 4.13% | 4.11% | 4.00% | 3.98% | 3.83% | 3.59% | -52 bps | |
| Efficiency Ratio | 78.58% | 77.22% | 76.78% | 73.19% | 71.44% | 70.88% | 70.82% | 71.95% | -124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.22% | 3.75% | 12.31% | 19.99% | 19.67% | 18.16% | 16.91% | 17.61% | -238 bps | |
| Loan Growth (YoY) | 12.44% | 5.62% | 2.76% | 4.39% | 3.48% | 1.33% | 2.54% | -4.91% | -930 bps | |
| Share Growth (YoY) | 1.59% | 6.13% | 16.90% | 21.39% | 20.97% | 19.11% | 17.58% | 18.29% | -309 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.32% | 0.37% | 0.36% | 0.07% | 0.59% | 0.29% | 0.05% | -31 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 | 0.40% | 0.47% | 0.40% | 0.47% | 0.33% | 0.41% | 0.38% | 0.38% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.76% | 11.66% | 11.27% | 11.00% | 10.84% | 10.97% | 10.79% | 10.52% | -48 bps | |
| Net Worth / Assets | 11.76% | 11.66% | 11.27% | 11.00% | 10.84% | 10.97% | 10.79% | 10.52% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.18% | 74.56% | 68.76% | 66.72% | 65.16% | 63.43% | 59.97% | 53.63% | -1,309 bps | |
| Liquid Assets / Assets | 19.04% | 17.48% | 19.21% | 30.39% | 29.44% | 28.04% | 28.03% | 35.86% | +547 bps | |