Marshalltown, IA · Charter 64919
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Marshalltown, IA · Charter 64919
Q4 2002
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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 1.45% | 0.52% | -0.74% | -62.89% | -32.64% | -23.65% | -18.88% | -1,815 bps | |
| Return on Equity | 6.65% | 6.61% | 2.30% | -3.28% | -504% | -234% | -160.73% | -112.44% | -10,916 bps | |
| Net Interest Margin | 4.48% | 4.49% | 3.95% | 2.47% | 3.50% | 4.51% | 5.25% | 6.01% | +353 bps | |
| Efficiency Ratio | 66.77% | 68.59% | 87.22% | 128.64% | 134.53% | 101.67% | 79.98% | 74.23% | -5,442 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.68% | 8.35% | -0.32% | -0.51% | -24.58% | -30.85% | -32.56% | -36.89% | -3,638 bps | |
| Loan Growth (YoY) | -9.08% | -15.83% | -21.91% | -17.10% | -12.85% | -15.01% | -14.12% | -22.73% | -563 bps | |
| Share Growth (YoY) | 5.78% | 11.13% | 2.12% | 0.56% | -14.55% | -24.21% | -25.95% | -32.15% | -3,270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 25.91% | 44.21% | 59.27% | 68.95% | 70.27% | +4,436 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 | 1.36% | 1.51% | 1.67% | 1.59% | 29.20% | 31.39% | 35.96% | 38.12% | +3,653 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.91% | 22.00% | 22.47% | 22.42% | 12.48% | 13.94% | 14.72% | 16.79% | -563 bps | |
| Net Worth / Assets | 22.91% | 22.00% | 22.47% | 22.42% | 12.48% | 13.94% | 14.72% | 16.79% | -563 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.93% | 57.19% | 55.38% | 60.08% | 64.18% | 64.13% | 64.23% | 68.43% | +834 bps | |
| Liquid Assets / Assets | 49.95% | 53.73% | 55.67% | 52.20% | 57.71% | 59.58% | 62.32% | 61.94% | +974 bps | |