Mapleton, IA · Cert 236
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Mapleton, IA · Cert 236
FDIC
Q1 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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 1.03% | 0.30% | 1.01% | 1.01% | 1.06% | 0.95% | 0.85% | -16 bps | |
| Return on Equity | 12.67% | 13.06% | 3.80% | 12.63% | 12.58% | 13.06% | 11.50% | 10.10% | -253 bps | |
| Net Interest Margin | 2.93% | 3.03% | 3.04% | 3.06% | 2.91% | 2.87% | 2.92% | 2.66% | -40 bps | |
| Efficiency Ratio | 59.72% | 58.70% | 61.61% | 59.20% | 59.28% | 57.18% | 62.24% | 60.93% | +174 bps | |
| Non-Interest Burden | 1.47% | 1.46% | 1.57% | 1.53% | 1.45% | 1.33% | 1.53% | 1.35% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.55% | 0.39% | -5.13% | -1.67% | 4.78% | 4.35% | 7.14% | 8.70% | +1,037 bps | |
| Loan Growth (YoY) | 6.82% | 9.38% | 7.39% | -1.81% | -5.71% | -13.53% | -13.58% | -6.71% | -491 bps | |
| Deposit Growth (YoY) | 1.56% | 0.20% | -4.21% | 0.29% | 7.35% | 6.75% | 7.89% | 8.16% | +787 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 | 0.00% | 0.00% | 2.00% | -0.10% | -0.07% | -0.11% | -0.10% | -0.07% | +2 bps | |
| Allowance / Loans | 2.74% | 2.59% | 2.22% | 2.42% | 2.51% | 2.62% | 2.67% | 2.69% | +27 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 | 13.60% | 13.34% | 12.56% | 14.16% | 14.57% | 15.38% | 15.44% | 16.32% | +216 bps | |
| Equity / Assets | 8.10% | 8.39% | 8.13% | 7.87% | 8.09% | 8.50% | 8.67% | 8.26% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.52% | 78.45% | 79.36% | 67.67% | 64.58% | 63.54% | 63.57% | 58.36% | -930 bps | |
| Liquid Assets / Assets | 23.12% | 19.53% | 18.39% | 27.43% | 19.86% | 20.37% | 15.79% | 23.66% | -376 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |