Estherville, IA · Cert 18347
FDIC
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.60% | 0.61% | 0.68% | 0.73% | 0.60% | 0.59% | 0.63% | -5 bps | |
| Return on Equity | 5.66% | 6.59% | 6.74% | 7.62% | 8.10% | 6.91% | 6.63% | 7.07% | -55 bps | |
| Net Interest Margin | 3.63% | 3.19% | 3.03% | 3.06% | 2.99% | 2.83% | 2.78% | 2.82% | -24 bps | |
| Efficiency Ratio | 82.08% | 82.08% | 81.50% | 80.35% | 78.57% | 79.46% | 79.49% | 77.77% | -258 bps | |
| Non-Interest Burden | 2.94% | 2.56% | 2.42% | 2.41% | 2.29% | 2.19% | 2.17% | 2.15% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.81% | 6.92% | 13.33% | 18.95% | 15.87% | 12.35% | 2.56% | 4.06% | -1,489 bps | |
| Loan Growth (YoY) | -0.47% | -4.71% | -4.48% | 0.94% | 1.79% | -5.87% | -3.27% | -9.78% | -1,072 bps | |
| Deposit Growth (YoY) | -0.62% | 8.64% | 15.85% | 21.83% | 16.52% | 12.81% | 2.13% | 3.83% | -1,800 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 | 0.13% | 0.25% | 0.28% | 0.35% | 0.36% | -0.48% | -0.23% | -0.08% | -43 bps | |
| Allowance / Loans | 1.69% | 1.67% | 1.58% | 1.42% | 1.30% | 1.56% | 1.51% | 1.53% | +10 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 | 13.40% | 14.13% | 14.19% | 14.73% | 14.84% | 15.23% | 15.67% | 16.14% | +141 bps | |
| Equity / Assets | 9.56% | 8.67% | 8.87% | 8.70% | 9.17% | 8.38% | 9.31% | 8.98% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.29% | 59.54% | 59.30% | 57.60% | 60.53% | 49.68% | 56.16% | 50.05% | -755 bps | |
| Liquid Assets / Assets | 15.49% | 22.29% | 14.06% | 16.91% | 17.70% | 29.64% | 11.52% | 21.68% | +477 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |