Camanche, IA · Charter 65105
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Camanche, IA · Charter 65105
Q3 2001
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 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 3.07% | 2.92% | 3.37% | 1.53% | 5.25% | 3.36% | 4.15% | +77 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 6.35% | 17.18% | 11.06% | 11.02% | n/a | |
| Net Interest Margin | 4.54% | 5.02% | 6.32% | 6.29% | 5.31% | 7.31% | 6.62% | 7.43% | +114 bps | |
| Efficiency Ratio | 58.86% | 41.25% | 35.23% | 35.62% | 59.09% | 31.29% | 51.19% | 47.33% | +1,171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.29% | -9.29% | 11.21% | 4.10% | -6.61% | -23.83% | -28.31% | -42.96% | -4,706 bps | |
| Loan Growth (YoY) | -17.03% | -9.33% | 6.99% | -2.69% | -11.40% | -14.39% | -26.88% | -34.72% | -3,203 bps | |
| Share Growth (YoY) | -9.84% | -12.05% | 14.73% | 2.82% | -10.29% | -32.66% | -37.09% | -55.07% | -5,789 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.07% | 1.00% | 1.83% | 5.03% | 0.00% | 1.26% | +26 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 | 5.30% | 6.27% | 6.22% | 7.15% | 7.41% | 7.94% | 3.37% | 4.09% | -306 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 24.08% | 30.54% | 30.39% | 37.63% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 24.08% | 30.54% | 30.39% | 37.63% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.34% | 62.43% | 59.13% | 52.54% | 65.52% | 79.36% | 68.72% | 76.34% | +2,380 bps | |
| Liquid Assets / Assets | 13.87% | 15.57% | 10.16% | 13.04% | 54.27% | 47.99% | 52.60% | 52.98% | +3,994 bps | |