Keokuk, IA · Charter 65279
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.
Keokuk, IA · Charter 65279
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 | 3.17% | 2.84% | 0.03% | 0.77% | -1.34% | 2.46% | 4.73% | 0.82% | +5 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -13.36% | 24.38% | 43.31% | 9.00% | n/a | |
| Net Interest Margin | 7.61% | 7.33% | 7.28% | 6.81% | 8.53% | 8.84% | 9.53% | 5.68% | -112 bps | |
| Efficiency Ratio | 51.47% | 56.19% | 58.83% | 61.65% | 93.96% | 70.57% | 49.58% | 84.72% | +2,307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 37.40% | 36.42% | 41.12% | 20.29% | -1.68% | -13.57% | -14.89% | -17.63% | -3,792 bps | |
| Loan Growth (YoY) | 21.38% | 2.00% | 17.40% | 3.07% | 3.17% | -5.72% | -25.90% | -42.44% | -4,551 bps | |
| Share Growth (YoY) | 34.42% | 38.32% | 47.60% | 21.46% | 2.80% | -13.42% | -15.65% | -17.05% | -3,852 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.66% | 0.00% | 0.96% | 0.88% | 0.88% | 26.00% | 8.18% | 4.17% | +330 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 | 2.51% | 1.81% | 3.50% | 3.65% | 3.81% | 4.25% | 5.11% | 6.58% | +294 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 10.02% | 10.08% | 10.91% | 9.13% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 10.02% | 10.08% | 10.91% | 9.13% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.74% | 77.86% | 87.70% | 76.14% | 93.08% | 84.79% | 77.03% | 52.84% | -2,330 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 18.37% | 27.32% | 35.05% | 50.45% | +5,045 bps | |