Cherokee, IA · Cert 25866
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Cherokee, IA · Cert 25866
FDIC
Q3 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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.22% | 0.21% | 0.65% | 0.50% | 0.75% | 0.41% | 0.58% | -7 bps | |
| Return on Equity | 12.80% | 14.32% | 2.45% | 7.49% | 5.78% | 8.83% | 4.86% | 6.62% | -86 bps | |
| Net Interest Margin | 4.19% | 4.50% | 4.56% | 4.62% | 4.45% | 3.62% | 3.86% | 3.88% | -74 bps | |
| Efficiency Ratio | 72.15% | 69.58% | 65.66% | 64.94% | 65.98% | 74.45% | 74.77% | 74.16% | +922 bps | |
| Non-Interest Burden | 2.87% | 2.99% | 2.84% | 2.83% | 2.77% | 2.59% | 2.76% | 2.74% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.74% | -0.67% | -0.38% | 1.75% | 5.48% | 7.25% | 5.49% | 1.50% | -25 bps | |
| Loan Growth (YoY) | 4.67% | 10.73% | 7.79% | 1.82% | -4.07% | -6.39% | -6.45% | -6.32% | -814 bps | |
| Deposit Growth (YoY) | 9.06% | -1.81% | -0.98% | 1.27% | 5.47% | 7.53% | 5.37% | 1.13% | -15 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 | 0.15% | 0.00% | 0.68% | 0.54% | 1.00% | -0.35% | -0.27% | 0.34% | -21 bps | |
| Allowance / Loans | 1.12% | 1.19% | 1.63% | 1.68% | 1.59% | 1.78% | 2.14% | 1.88% | +20 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 | 11.84% | 12.05% | 11.91% | 12.66% | 12.71% | 13.69% | 13.97% | 14.43% | +177 bps | |
| Equity / Assets | 8.34% | 8.74% | 8.54% | 8.92% | 8.37% | 8.52% | 8.68% | 9.25% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.06% | 99.33% | 98.46% | 97.20% | 87.36% | 86.48% | 87.41% | 90.05% | -716 bps | |
| Liquid Assets / Assets | 4.32% | 3.33% | 2.28% | 2.28% | 2.14% | 18.73% | 17.94% | 15.27% | +1,299 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |