Ottumwa, IA · Cert 14973
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.83% | 0.72% | 0.70% | 1.37% | 0.78% | 1.09% | 1.14% | 1.14% | -22 bps | |
| Return on Equity | -20.06% | 8.29% | 7.66% | 14.05% | 8.03% | 11.57% | 11.66% | 11.40% | -265 bps | |
| Net Interest Margin | 3.38% | 3.55% | 3.32% | 3.79% | 3.73% | 3.74% | 3.62% | 3.80% | +2 bps | |
| Efficiency Ratio | 81.82% | 75.30% | 77.55% | 77.30% | 78.04% | 76.79% | 79.28% | 74.38% | -293 bps | |
| Non-Interest Burden | 2.59% | 2.41% | 2.32% | 2.52% | 2.57% | 2.51% | 2.67% | 2.52% | +1 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 | 5.19% | 0.01% | 0.63% | -0.04% | 1.55% | -0.68% | -0.50% | -0.25% | -21 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 |