Des Moines, IA · Charter 65073
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 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.
Des Moines, IA · Charter 65073
Q1 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | -0.31% | -0.47% | 0.36% | -0.17% | -0.23% | -0.43% | 0.22% | -14 bps | |
| Return on Equity | 0.49% | -2.30% | -3.42% | 2.63% | -1.24% | -1.73% | -3.10% | 1.65% | -98 bps | |
| Net Interest Margin | 6.34% | 6.49% | 6.64% | 6.43% | 6.23% | 6.04% | 6.22% | 5.44% | -99 bps | |
| Efficiency Ratio | 94.08% | 93.71% | 96.09% | 90.37% | 99.10% | 101.16% | 104.41% | 88.90% | -146 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.23% | -6.57% | -9.89% | -7.27% | -3.80% | -1.54% | -3.63% | -0.33% | +694 bps | |
| Loan Growth (YoY) | -13.35% | -14.35% | -10.77% | -8.93% | -10.41% | -10.12% | -10.04% | -11.06% | -213 bps | |
| Share Growth (YoY) | -10.68% | -7.37% | -10.83% | -7.86% | -3.88% | -1.23% | -3.71% | 0.31% | +817 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.78% | 2.35% | 2.29% | 0.57% | 1.58% | 0.51% | 1.26% | 1.12% | +55 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 | 1.12% | 1.30% | 0.93% | 0.72% | 0.76% | 0.90% | 0.68% | 0.90% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.66% | 13.47% | 13.76% | 13.57% | 13.62% | 13.29% | 13.85% | 13.17% | -40 bps | |
| Net Worth / Assets | 13.66% | 13.47% | 13.76% | 13.57% | 13.62% | 13.29% | 13.85% | 13.17% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.49% | 84.49% | 86.59% | 82.04% | 80.61% | 76.88% | 80.90% | 72.74% | -930 bps | |
| Liquid Assets / Assets | 23.42% | 24.66% | 22.96% | 26.96% | 29.10% | 31.78% | 28.52% | 35.10% | +814 bps | |