Guttenberg, IA · Cert 15914
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 1.99% | 1.47% | 1.20% | 1.62% | 1.58% | 1.40% | 1.57% | +37 bps | |
| Return on Equity | 5.68% | 14.03% | 10.60% | 8.55% | 11.62% | 11.85% | 10.90% | 11.78% | +323 bps | |
| Net Interest Margin | 2.96% | 3.13% | 3.01% | 3.01% | 3.24% | 3.14% | 3.01% | 3.14% | +12 bps | |
| Efficiency Ratio | 64.29% | 42.60% | 50.00% | 49.58% | 48.84% | 44.25% | 49.39% | 48.85% | -72 bps | |
| Non-Interest Burden | 1.81% | 1.10% | 1.37% | 1.38% | 1.45% | 1.17% | 1.36% | 1.37% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.86% | -5.76% | 1.70% | 1.76% | 3.56% | 4.62% | 2.85% | 3.94% | +218 bps | |
| Loan Growth (YoY) | 7.72% | 8.20% | 9.47% | 5.85% | 5.90% | -0.67% | 0.38% | -0.83% | -668 bps | |
| Deposit Growth (YoY) | 5.42% | -9.02% | -0.88% | 1.66% | 3.90% | 7.13% | 6.09% | 5.43% | +377 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 | 0.06% | -0.01% | -0.02% | 0.10% | 0.12% | 1.59% | 0.15% | -0.01% | -11 bps | |
| Allowance / Loans | 1.18% | 1.23% | 1.26% | 1.40% | 1.34% | 1.22% | 1.22% | 1.29% | -11 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 | 16.20% | 15.03% | 15.27% | 15.37% | 14.69% | 14.64% | 14.48% | 15.04% | -33 bps | |
| Equity / Assets | 14.60% | 13.75% | 14.03% | 13.98% | 13.92% | 12.72% | 13.00% | 13.58% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.26% | 65.33% | 65.67% | 64.99% | 69.57% | 60.58% | 62.14% | 61.13% | -386 bps | |
| Liquid Assets / Assets | 1.70% | 1.72% | 1.70% | 1.68% | 2.84% | 2.74% | 2.45% | 3.22% | +154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |