Des Moines, IA · Charter 64988
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.
Des Moines, IA · Charter 64988
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 | 0.94% | 1.06% | 0.30% | -3.65% | -2.93% | -1.80% | -1.45% | -7.15% | -350 bps | |
| Return on Equity | 8.05% | 8.88% | 2.51% | -32.94% | -26.08% | -15.79% | -12.35% | -50.87% | -1,792 bps | |
| Net Interest Margin | 3.31% | 3.05% | 2.48% | 2.80% | 3.10% | 2.91% | 3.17% | 3.46% | +66 bps | |
| Efficiency Ratio | 54.57% | 53.15% | 65.23% | 77.25% | 57.37% | 64.15% | 59.77% | 80.13% | +288 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.91% | 4.05% | -1.92% | -3.00% | -9.39% | -10.70% | -9.17% | -27.53% | -2,453 bps | |
| Loan Growth (YoY) | 3.37% | -2.37% | 3.28% | -1.09% | -20.08% | -9.48% | -11.06% | -17.22% | -1,613 bps | |
| Share Growth (YoY) | 4.88% | 5.33% | -2.34% | -2.42% | -8.92% | -11.25% | -9.69% | -29.93% | -2,752 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.47% | 3.64% | 6.99% | 7.04% | 12.77% | 10.44% | 10.99% | 0.00% | -704 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 | 1.15% | 1.07% | 1.42% | 2.67% | 2.68% | 2.53% | 3.99% | 1.35% | -132 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.71% | 11.90% | 12.00% | 11.08% | 11.25% | 11.40% | 11.75% | 14.06% | +298 bps | |
| Net Worth / Assets | 11.71% | 11.90% | 12.00% | 11.08% | 11.25% | 11.40% | 11.75% | 14.06% | +298 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.34% | 42.29% | 44.34% | 39.04% | 39.79% | 43.13% | 43.67% | 46.12% | +708 bps | |
| Liquid Assets / Assets | 23.03% | 41.04% | 29.07% | 29.51% | 24.34% | 38.26% | 29.66% | 44.12% | +1,461 bps | |