Fort Madison, IA · Charter 65501
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | 1.36% | 0.74% | 0.16% | -14.95% | -8.78% | -7.39% | 0.26% | +10 bps | |
| Return on Equity | 6.16% | 4.53% | 2.25% | 0.41% | -45.78% | -30.50% | -25.95% | 0.83% | +42 bps | |
| Net Interest Margin | 6.14% | 5.95% | 6.28% | 5.54% | 6.08% | 5.15% | 4.88% | 6.38% | +84 bps | |
| Efficiency Ratio | 63.26% | 77.61% | 78.56% | 79.27% | 72.52% | 79.46% | 96.73% | 87.27% | +800 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.66% | -22.40% | -19.65% | -29.40% | -29.01% | -15.21% | -7.26% | -1.81% | +2,759 bps | |
| Loan Growth (YoY) | -30.16% | -35.14% | -34.99% | -38.70% | -37.77% | -33.85% | -11.94% | 1.88% | +4,058 bps | |
| Share Growth (YoY) | -21.40% | -30.40% | -27.41% | -40.63% | -32.30% | -13.71% | -1.06% | 9.79% | +5,042 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.23% | 16.50% | 22.90% | 18.43% | 14.02% | 8.05% | 18.15% | 7.72% | -1,071 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 | 5.20% | 6.39% | 7.22% | 8.89% | 10.20% | 11.47% | 10.53% | 10.52% | +163 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.52% | 30.13% | 33.02% | 38.26% | 32.65% | 28.78% | 28.47% | 30.97% | -729 bps | |
| Net Worth / Assets | 28.52% | 30.13% | 33.02% | 38.26% | 32.65% | 28.78% | 28.47% | 30.97% | -729 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.00% | 88.99% | 92.98% | 103.79% | 87.33% | 68.22% | 82.75% | 96.31% | -748 bps | |
| Liquid Assets / Assets | 34.11% | 40.39% | 40.89% | 40.48% | 44.62% | 55.65% | 46.02% | 39.76% | -72 bps | |