Ledyard, IA · Cert 14411
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.59% | 1.62% | 1.82% | 1.55% | 1.65% | 0.58% | 1.26% | -56 bps | |
| Return on Equity | 7.14% | 12.49% | 12.96% | 13.89% | 11.28% | 12.14% | 4.36% | 9.18% | -471 bps | |
| Net Interest Margin | 3.19% | 3.11% | 3.26% | 3.35% | 3.39% | 3.50% | 3.32% | 3.47% | +12 bps | |
| Efficiency Ratio | 62.99% | 51.26% | 50.45% | 46.61% | 55.06% | 48.12% | 49.85% | 52.72% | +611 bps | |
| Non-Interest Burden | 1.93% | 1.53% | 1.57% | 1.47% | 1.78% | 1.60% | 1.55% | 1.73% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.04% | 20.76% | 17.04% | 10.89% | 0.85% | -1.36% | -1.22% | -1.43% | -1,232 bps | |
| Loan Growth (YoY) | 19.20% | 13.64% | 4.95% | 10.94% | 6.68% | 4.81% | 10.30% | -3.49% | -1,444 bps | |
| Deposit Growth (YoY) | 23.94% | 24.44% | 19.79% | 9.74% | -2.31% | -2.44% | -1.92% | 0.45% | -930 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 | -0.02% | 0.70% | 0.00% | 0.21% | -0.10% | -0.01% | 1.45% | 0.57% | +36 bps | |
| Allowance / Loans | 0.82% | 0.62% | 0.63% | 0.53% | 0.57% | 0.62% | 0.63% | 0.66% | +13 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 | 18.50% | 16.88% | 17.72% | 17.17% | 18.23% | 17.39% | 17.11% | 18.22% | +104 bps | |
| Equity / Assets | 13.37% | 12.16% | 12.78% | 13.43% | 14.00% | 13.19% | 13.45% | 13.96% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.09% | 78.49% | 77.88% | 88.47% | 87.46% | 84.32% | 87.58% | 85.00% | -347 bps | |
| Liquid Assets / Assets | 6.02% | 5.13% | 3.24% | 1.99% | 3.96% | 4.11% | 2.81% | 2.85% | +86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |