Ottumwa, IA · Cert 14973
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.
Ottumwa, IA · Cert 14973
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 | 0.04%1 | 0.72% | 0.71% | 0.93% | 0.89% | 1.09% | 1.12% | 1.12% | +19 bps | |
| Return on Equity | 0.49% | 8.29% | 7.98% | 10.06% | 9.63% | 11.57% | 11.62% | 11.55% | +148 bps | |
| Net Interest Margin | 3.50% | 3.55% | 3.44% | 3.64% | 3.58% | 3.74% | 3.60% | 3.70% | +6 bps | |
| Efficiency Ratio | 77.24% | 75.30% | 76.40% | 76.74% | 77.08% | 76.79% | 77.98% | 76.77% | +3 bps | |
| Non-Interest Burden | 2.49% | 2.41% | 2.37% | 2.48% | 2.44% | 2.51% | 2.53% | 2.56% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.60% | -8.38% | -4.28% | -2.19% | -4.01% | -1.47% | 0.57% | 7.15% | +934 bps | |
| Loan Growth (YoY) | -11.28% | -9.80% | -3.37% | 5.06% | 2.11% | 3.15% | -0.78% | -0.85% | -591 bps | |
| Deposit Growth (YoY) | 2.93% | -8.93% | -2.74% | -3.66% | -7.22% | -2.44% | -0.09% | 10.35% | +1,401 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 | 1.83% | 0.01% | 0.32% | 0.19% | 0.54% | -0.68% | -0.60% | -0.46% | -65 bps | |
| Allowance / Loans | 2.44% | 2.60% | 2.55% | 2.57% | 2.47% | 2.65% | 2.85% | 2.78% | +21 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 | 14.30% | 14.59% | 14.61% | 14.37% | 14.49% | 14.67% | 15.52% | 15.10% | +73 bps | |
| Equity / Assets | 8.59% | 8.85% | 9.47% | 10.02% | 9.31% | 9.45% | 10.08% | 10.00% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.26% | 72.50% | 77.70% | 85.69% | 80.62% | 76.65% | 77.17% | 76.99% | -870 bps | |
| Liquid Assets / Assets | 1.08% | 0.61% | 4.09% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |