Guttenberg, IA · Cert 15914
FDIC
Q2 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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 1.13% | 1.47% | 1.33% | 1.43% | 1.47% | 1.40% | 1.48% | +15 bps | |
| Return on Equity | 6.03% | 8.10% | 10.60% | 9.59% | 10.26% | 10.74% | 10.90% | 11.30% | +172 bps | |
| Net Interest Margin | 2.71% | 2.78% | 3.01% | 2.99% | 3.05% | 3.00% | 3.01% | 3.06% | +7 bps | |
| Efficiency Ratio | 64.04% | 57.80% | 50.00% | 49.79% | 49.45% | 48.05% | 49.39% | 49.11% | -67 bps | |
| Non-Interest Burden | 1.66% | 1.50% | 1.37% | 1.37% | 1.39% | 1.30% | 1.36% | 1.36% | -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 | 0.22% | 0.16% | -0.02% | 0.04% | 0.07% | 0.45% | 0.15% | 0.07% | +3 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 |