Cedar Rapids, IA · Charter 65019
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.01% | -0.67% | -0.05% | -1.55% | -1.64% | 0.02% | -7.22% | -717 bps | |
| Return on Equity | 1.36% | 0.10% | -5.78% | -0.37% | -12.97% | -14.32% | 0.13% | -81.48% | -8,111 bps | |
| Net Interest Margin | 4.76% | 4.93% | 4.27% | 4.26% | 4.44% | 4.35% | 4.06% | 4.36% | +10 bps | |
| Efficiency Ratio | 74.87% | 77.37% | 79.73% | 83.45% | 85.78% | 87.97% | 99.68% | 98.18% | +1,473 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.14% | -7.11% | -7.90% | -12.92% | -16.01% | -10.83% | -12.73% | -14.11% | -118 bps | |
| Loan Growth (YoY) | -15.44% | -17.62% | -14.09% | -10.95% | -12.22% | -6.89% | -6.10% | 4.03% | +1,498 bps | |
| Share Growth (YoY) | -8.59% | -8.14% | -8.81% | -14.56% | -16.83% | -10.71% | -12.93% | -10.95% | +361 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.18% | 6.08% | 1.03% | 2.02% | 2.14% | 0.70% | 0.79% | 3.86% | +184 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 | 1.40% | 0.43% | 0.61% | 0.24% | 0.61% | 0.64% | 0.75% | 5.04% | +480 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.09% | 11.64% | 11.63% | 12.22% | 11.92% | 11.42% | 11.83% | 8.86% | -336 bps | |
| Net Worth / Assets | 11.09% | 11.64% | 11.63% | 12.22% | 11.92% | 11.42% | 11.83% | 8.86% | -336 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.75% | 76.60% | 77.65% | 79.01% | 82.06% | 79.88% | 83.74% | 92.30% | +1,329 bps | |
| Liquid Assets / Assets | 15.94% | 14.92% | 15.60% | 13.33% | 10.80% | 14.25% | 11.53% | 3.85% | -948 bps | |