West Burlington, IA · Charter 65585
Q1 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1998 | Q2 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.19% | 3.82% | 0.46% | -0.79% | 0.02% | 0.25% | 0.28% | 0.67% | +146 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 2.63% | 6.01% | n/a | |
| Net Interest Margin | n/a | n/a | 5.70% | 4.39% | 5.53% | 4.98% | 4.84% | 5.73% | +134 bps | |
| Efficiency Ratio | n/a | n/a | 88.27% | 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 / Loans | 5.10% | 4.24% | 5.06% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.36% | 2.68% | 3.30% | 3.09% | 1.70% | 1.58% | 1.41% | 1.52% | -157 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 10.79% | 11.10% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 10.79% | 11.10% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.42% | 96.83% | 78.91% | 73.81% | 105.68% | 114.67% | 123.07% | 101.11% | +2,731 bps | |
| Liquid Assets / Assets | 15.54% | 16.61% | 6.70% | 6.34% | 6.35% | 5.70% | 8.47% | 9.98% | +364 bps | |