Cedar Rapids, IA · Charter 65075
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 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.
Cedar Rapids, IA · Charter 65075
Q1 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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.11% | 0.92% | 0.28% | -0.45% | -0.22% | -0.24% | -4.72% | -500 bps | |
| Return on Equity | n/a | n/a | 7.72% | 2.60% | -4.39% | -2.19% | -2.28% | -50.59% | -5,319 bps | |
| Net Interest Margin | 5.80% | 5.84% | 5.52% | 5.05% | 4.94% | 4.66% | 4.66% | 4.50% | -55 bps | |
| Efficiency Ratio | 64.51% | 63.88% | 66.37% | 82.30% | 78.65% | 78.87% | 80.88% | 155.76% | +7,347 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.20% | -4.95% | 2.95% | 5.00% | 11.85% | 14.95% | 8.83% | -0.52% | -552 bps | |
| Loan Growth (YoY) | 14.49% | 12.24% | 10.98% | 9.18% | -2.93% | -9.38% | -18.20% | -29.23% | -3,841 bps | |
| Share Growth (YoY) | -1.78% | -4.94% | -1.31% | 5.05% | 13.01% | 15.52% | 12.85% | 0.38% | -467 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.50% | 2.88% | 3.72% | 4.29% | 2.14% | 3.09% | 3.78% | 0.71% | -358 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 | 0.66% | 1.27% | 1.56% | 1.60% | 1.49% | 1.44% | 1.89% | 0.75% | -85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 11.89% | 10.77% | 10.25% | 10.20% | 10.68% | 9.33% | -143 bps | |
| Net Worth / Assets | n/a | n/a | 11.89% | 10.77% | 10.25% | 10.20% | 10.68% | 9.33% | -143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.42% | 91.23% | 97.22% | 83.85% | 76.81% | 71.57% | 70.47% | 59.12% | -2,473 bps | |
| Liquid Assets / Assets | 1.71% | 1.74% | 9.00% | 21.09% | 27.81% | 32.43% | 32.99% | 25.43% | +435 bps | |