Johnston, IA · Cert 14194
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Johnston, IA · Cert 14194
FDIC
Q3 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.89% | -1.32% | -2.34% | -2.40% | -2.58% | -5.48% | -3.83% | -3.10% | -70 bps | |
| Return on Equity | -68.30% | -24.79% | -46.00% | -49.25% | -55.42% | -188.03% | -148.61% | -131.63% | -8,238 bps | |
| Net Interest Margin | 2.96% | 3.25% | 3.24% | 3.31% | 3.51% | 3.01% | 3.13% | 3.11% | -20 bps | |
| Efficiency Ratio | 152.85% | 135.27% | 195.88% | 175.37% | 181.75% | 126.10% | 134.55% | 133.58% | -4,179 bps | |
| Non-Interest Burden | 4.89% | 4.59% | 5.63% | 5.49% | 5.97% | 4.25% | 4.67% | 4.64% | -84 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.12% | -19.35% | -17.79% | -15.89% | -16.00% | -16.60% | -13.60% | -16.41% | -52 bps | |
| Loan Growth (YoY) | -31.57% | -29.85% | -26.81% | -24.10% | -20.91% | -25.22% | -22.55% | -19.64% | +446 bps | |
| Deposit Growth (YoY) | -18.51% | -14.68% | -14.47% | -10.95% | -11.36% | -14.56% | -11.62% | -12.94% | -199 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.94% | 1.67% | 1.22% | 2.39% | 2.52% | 3.09% | 1.81% | 1.40% | -99 bps | |
| Allowance / Loans | 3.65% | 3.38% | 3.41% | 2.94% | 2.68% | 3.93% | 4.12% | 4.17% | +123 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 8.41% | 8.18% | 7.71% | 7.12% | 6.29% | 4.56% | 3.89% | 3.09% | -403 bps | |
| Equity / Assets | 5.49% | 5.15% | 4.59% | 4.20% | 3.59% | 2.23% | 1.88% | 1.65% | -255 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.63% | 76.14% | 76.00% | 72.82% | 73.73% | 66.64% | 66.60% | 67.22% | -560 bps | |
| Liquid Assets / Assets | 3.46% | 13.62% | 12.35% | 12.07% | 9.91% | 15.08% | 14.91% | 9.87% | -220 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |