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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.40% | -2.58% | -5.48% | -3.83% | -3.10% | -70 bps | |
| Return on Equity | -49.25% | -55.42% | -188.03% | -148.61% | -131.63% | -8,238 bps | |
| Net Interest Margin | 3.31% | 3.51% | 3.01% | 3.13% | 3.11% | -20 bps | |
| Efficiency Ratio | 175.37% | 181.75% | 126.10% | 134.55% | 133.58% | -4,179 bps | |
| Non-Interest Burden | 5.49% | 5.97% | 4.25% | 4.67% | 4.64% | -84 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.89% | -16.00% | -16.60% | -13.60% | -16.41% | -52 bps | |
| Loan Growth (YoY) | -24.10% | -20.91% | -25.22% | -22.55% | -19.64% | +446 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 2.39% | 2.52% | 3.09% | 1.81% | 1.40% | -99 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 7.12% | 6.29% | 4.56% | 3.89% | 3.09% | -403 bps | |
| Equity / Assets | 4.20% | 3.59% | 2.23% | 1.88% | 1.65% | -255 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.82% | 73.73% | 66.64% | 66.60% | 67.22% | -560 bps | |
| Liquid Assets / Assets | 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 |