Cherokee, IA · Cert 25866
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 1.22% | -0.81% | 1.53% | 0.07% | 0.75% | 0.08% | 0.91% | -62 bps | |
| Return on Equity | 8.03% | 14.32% | -9.39% | 17.48% | 0.78% | 8.83% | 0.92% | 10.11% | -737 bps | |
| Net Interest Margin | 4.53% | 4.50% | 4.69% | 4.68% | 4.28% | 3.62% | 3.88% | 3.94% | -73 bps | |
| Efficiency Ratio | 69.65% | 69.58% | 61.93% | 63.54% | 69.17% | 74.45% | 75.08% | 73.02% | +948 bps | |
| Non-Interest Burden | 2.94% | 2.99% | 2.73% | 2.79% | 2.78% | 2.59% | 2.80% | 2.71% | -8 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 | 0.74% | 0.00% | 1.36% | 0.25% | 2.30% | -0.35% | -0.18% | 1.56% | +130 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 |