Waverly, IA · Charter 64947
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Waverly, IA · Charter 64947
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.64% | 0.47% | 0.33% | 0.23% | -0.16% | -0.84% | -0.82% | -115 bps | |
| Return on Equity | 0.53% | 1.83% | 1.36% | 0.93% | 0.65% | -0.45% | -2.46% | -2.39% | -333 bps | |
| Net Interest Margin | 4.88% | 4.14% | 3.87% | 3.73% | 3.56% | 2.89% | 2.66% | 2.59% | -114 bps | |
| Efficiency Ratio | 74.26% | 84.75% | 87.98% | 91.27% | 93.50% | 105.49% | 131.35% | 131.46% | +4,019 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.02% | -2.15% | -0.83% | -2.08% | -3.63% | -0.48% | 0.60% | 1.36% | +344 bps | |
| Loan Growth (YoY) | -24.55% | -26.75% | -29.80% | -31.16% | -32.77% | -29.67% | -19.86% | -11.54% | +1,962 bps | |
| Share Growth (YoY) | -0.28% | -3.40% | -1.11% | -2.86% | -5.87% | -1.16% | 1.22% | 2.59% | +545 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.08% | 2.90% | 1.80% | 1.95% | 5.49% | 4.85% | 4.24% | 1.77% | -18 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 | 3.36% | 3.92% | 3.26% | 3.62% | 4.18% | 4.71% | 4.39% | 4.40% | +78 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.27% | 34.90% | 34.73% | 35.31% | 35.80% | 35.35% | 34.33% | 34.45% | -86 bps | |
| Net Worth / Assets | 34.27% | 34.90% | 34.73% | 35.31% | 35.80% | 35.35% | 34.33% | 34.45% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.54% | 58.27% | 55.23% | 51.87% | 46.10% | 41.46% | 43.72% | 44.73% | -714 bps | |
| Liquid Assets / Assets | 35.10% | 43.83% | 49.13% | 46.37% | 54.57% | 63.98% | 69.59% | 69.10% | +2,273 bps | |