West Burlington, IA · Charter 65585
Q1 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2001, the quarter ended March 31, 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.
West Burlington, IA · Charter 65585
Q1 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | 0.02% | 0.25% | 0.28% | 0.67% | +146 bps | |
| Return on Equity | n/a | n/a | n/a | 2.63% | 6.01% | n/a | |
| Net Interest Margin | 4.39% | 5.53% | 4.98% | 4.84% | 5.73% | +134 bps | |
| Efficiency Ratio | 116.33% | 99.61% | 95.35% | 94.70% | 89.84% | -2,648 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.58% | 14.94% | 24.51% | 20.64% | 12.35% | -523 bps | |
| Loan Growth (YoY) | -4.80% | 27.83% | 37.21% | 59.79% | 56.10% | +6,090 bps | |
| Share Growth (YoY) | 19.32% | 23.88% | 15.87% | 2.46% | 13.95% | -538 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.90% | 2.14% | 2.65% | 2.81% | 3.48% | -42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.09% | 1.70% | 1.58% | 1.41% | 1.52% | -157 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 10.79% | 11.10% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 10.79% | 11.10% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.81% | 105.68% | 114.67% | 123.07% | 101.11% | +2,731 bps | |
| Liquid Assets / Assets | 6.34% | 6.35% | 5.70% | 8.47% | 9.98% | +364 bps | |