Denison, IA · Charter 65189
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Denison, IA · Charter 65189
Q2 2003
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 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.06% | 2.03% | 1.76% | 1.92% | 1.77% | 1.95% | 1.71% | -4 bps | |
| Return on Equity | 4.91% | 5.43% | 11.00% | 9.86% | 10.19% | 9.24% | 10.16% | 9.28% | -58 bps | |
| Net Interest Margin | 4.19% | 4.68% | 5.26% | 4.88% | 5.01% | 5.04% | 5.02% | 4.79% | -9 bps | |
| Efficiency Ratio | 78.87% | 78.39% | 66.58% | 69.41% | 67.48% | 68.72% | 61.42% | 64.38% | -503 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.34% | -2.72% | 1.67% | 7.50% | 3.66% | 11.74% | 5.78% | 5.95% | -155 bps | |
| Loan Growth (YoY) | 3.98% | 4.72% | 2.75% | -2.02% | -1.05% | 4.32% | 13.87% | 17.68% | +1,970 bps | |
| Share Growth (YoY) | -1.61% | -4.57% | 1.00% | 7.92% | 3.01% | 12.34% | 4.84% | 5.24% | -267 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.97% | 1.13% | 0.84% | 1.20% | 0.89% | 1.91% | 1.10% | +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 | 2.30% | 2.31% | 2.44% | 2.26% | 2.25% | 2.13% | 2.19% | 2.01% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.70% | 19.44% | 18.47% | 17.80% | 18.84% | 19.17% | 19.20% | 18.46% | +66 bps | |
| Net Worth / Assets | 17.70% | 19.44% | 18.47% | 17.80% | 18.84% | 19.17% | 19.20% | 18.46% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.49% | 96.55% | 83.42% | 80.76% | 85.00% | 89.66% | 90.61% | 90.31% | +954 bps | |
| Liquid Assets / Assets | 22.22% | 14.09% | 26.33% | 25.68% | 21.44% | 13.32% | 16.59% | 19.04% | -663 bps | |