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Zephyr

West Burlington, IA · Charter 65585

Q1 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Zephyr

West Burlington, IA · Charter 65585

Q1 2001

$1.4MAssets
$1.3MLoans
$1.3MShares
$159KNet Worth

Executive Summary

  • Earnings: ROA of 0.67%, up 146 bps year over year; NIM at 5.73%.
  • Asset quality: problem loans at 3.48% of loans (-42 bps YoY).
  • Capital: net worth / assets of 11.10%.
  • Funding: loans stand at 101.11% of shares as of Q1 2001.

Return on Assets (YTD, annualized)

0.67%+146 bps YoY

Net Interest Margin (YTD, annualized)

5.73%+134 bps YoY

Efficiency Ratio (YTD, annualized)

89.84%-2,648 bps YoY

Net Worth / Assets

11.10%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets4.19%3.82%0.46%-0.79%0.02%0.25%0.28%0.67%+146 bps
Return on Equityn/an/an/an/an/an/a2.63%6.01%n/a
Net Interest Marginn/an/a5.70%4.39%5.53%4.98%4.84%5.73%+134 bps
Efficiency Ration/an/a88.27%116.33%99.61%95.35%94.70%89.84%-2,648 bps
Growth
Asset Growth (YoY)14.19%16.51%17.41%17.58%14.94%24.51%20.64%12.35%-523 bps
Loan Growth (YoY)11.85%22.88%-2.20%-4.80%27.83%37.21%59.79%56.10%+6,090 bps
Share Growth (YoY)6.26%14.83%23.54%19.32%23.88%15.87%2.46%13.95%-538 bps
Asset Quality
Delinquent Loans / Loans5.10%4.24%5.06%3.90%2.14%2.65%2.81%3.48%-42 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.36%2.68%3.30%3.09%1.70%1.58%1.41%1.52%-157 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a10.79%11.10%n/a
Net Worth / Assetsn/an/an/an/an/an/a10.79%11.10%n/a
Liquidity & Funding
Loans / Shares102.42%96.83%78.91%73.81%105.68%114.67%123.07%101.11%+2,731 bps
Liquid Assets / Assets15.54%16.61%6.70%6.34%6.35%5.70%8.47%9.98%+364 bps