Keokuk, IA · Cert 30652
FDIC
Q1 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17%1 | 0.22%1 | -0.01% | 1.32% | 0.70% | 0.05%1 | 0.07%1 | 0.34% | -98 bps | |
| Return on Equity | 2.12% | 2.71% | -0.17% | 15.02% | 7.73% | 0.53% | 0.75% | 3.70% | -1,132 bps | |
| Net Interest Margin | 3.10% | 3.34% | 3.50% | 3.40% | 3.34% | 3.31% | 3.21% | 2.49% | -91 bps | |
| Efficiency Ratio | 67.83% | 63.73% | 62.85% | 64.20% | 66.12% | 66.77% | 68.53% | 79.47% | +1,526 bps | |
| Non-Interest Burden | 1.80% | 1.81% | 1.92% | 1.82% | 1.88% | 1.88% | 1.87% | 1.74% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.38% | 1.10% | -1.27% | -3.03% | -4.94% | -5.95% | -4.79% | -1.64% | +140 bps | |
| Loan Growth (YoY) | -5.32% | -5.30% | -9.45% | -10.12% | -11.10% | -12.25% | -15.27% | -11.69% | -157 bps | |
| Deposit Growth (YoY) | -1.87% | -0.67% | -2.13% | -1.74% | -2.72% | -6.59% | -6.73% | -2.94% | -120 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 | 3.23% | 2.50% | 3.25% | 0.57% | 0.82% | 1.00% | 2.02% | 1.28% | +71 bps | |
| Allowance / Loans | 1.36% | 1.52% | 1.49% | 1.48% | 1.95% | 3.23% | 2.66% | 2.66% | +118 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 | 13.27% | 14.23% | 14.11% | 15.73% | 15.95% | 15.78% | 16.12% | 16.55% | +82 bps | |
| Equity / Assets | 7.96% | 8.65% | 8.67% | 8.94% | 9.42% | 9.64% | 9.35% | 9.16% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.01% | 74.16% | 71.92% | 67.77% | 66.72% | 69.67% | 65.34% | 61.66% | -611 bps | |
| Liquid Assets / Assets | 0.20% | 0.04% | 0.00% | 0.49% | 0.09% | 0.93% | 1.09% | 0.94% | +44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |