Des Moines, IA · Charter 65194
Q2 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 | Q2 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.00% | 0.78% | 0.74% | 1.83% | 1.00% | 1.55% | 0.04% | -2.05% | -388 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 6.63% | 0.19% | -9.01% | n/a | |
| Net Interest Margin | n/a | 4.80% | 3.95% | 4.67% | 5.71% | 6.75% | 3.42% | 3.43% | -123 bps | |
| Efficiency Ratio | n/a | 82.51% | 81.38% | 60.80% | 69.78% | 68.19% | 92.65% | 156.61% | +9,581 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.28% | 0.43% | -9.56% | -10.76% | -37.83% | -37.92% | -31.01% | -31.40% | -2,064 bps | |
| Loan Growth (YoY) | -9.14% | -30.87% | -29.66% | -34.62% | -26.75% | -17.32% | -29.11% | -28.98% | +564 bps | |
| Share Growth (YoY) | 2.40% | -2.05% | -12.70% | -14.36% | -44.45% | -45.12% | -38.29% | -38.21% | -2,384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 0.64% | 1.56% | 1.44% | 2.65% | 2.60% | 1.83% | 2.88% | +144 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 | 2.09% | 0.00% | 0.00% | 0.00% | 0.82% | 1.28% | 1.70% | 2.34% | +234 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 23.37% | 22.96% | 22.76% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 23.37% | 22.96% | 22.76% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.89% | 64.56% | 62.75% | 56.23% | 84.24% | 97.26% | 72.08% | 64.63% | +840 bps | |
| Liquid Assets / Assets | 0.50% | 0.00% | 0.00% | 0.00% | 0.00% | 25.38% | 44.58% | 51.38% | +5,138 bps | |