Creston, IA · Cert 33524
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.97% | 0.99% | 1.09% | 1.18% | 1.07% | 0.98% | 1.23% | +14 bps | |
| Return on Equity | n/a | n/a | n/a | 10.08% | 10.85% | 10.19% | 9.52% | 11.92% | +183 bps | |
| Net Interest Margin | n/a | n/a | 3.45% | 3.40% | 3.34% | 3.26% | 3.17% | 3.10% | -30 bps | |
| Efficiency Ratio | n/a | n/a | 72.46% | 70.52% | 67.70% | 69.86% | 69.73% | 62.66% | -786 bps | |
| Non-Interest Burden | n/a | n/a | 2.37% | 2.24% | 2.10% | 2.14% | 2.10% | 1.79% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.36% | 9.09% | 10.69% | 7.78% | 12.53% | 9.41% | 9.27% | 9.55% | +178 bps | |
| Loan Growth (YoY) | 11.07% | 4.98% | 2.28% | 4.64% | 7.64% | 8.43% | 4.73% | 4.47% | -17 bps | |
| Deposit Growth (YoY) | 10.96% | 9.38% | 11.13% | 7.87% | 13.23% | 9.95% | 9.76% | 10.39% | +251 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 | n/a | n/a | 0.00% | 0.00% | 0.00% | 0.05% | 0.06% | 0.02% | +2 bps | |
| Allowance / Loans | n/a | n/a | 0.60% | 0.58% | 0.55% | 0.54% | 0.57% | 0.55% | -2 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 | n/a | n/a | 19.66% | 19.28% | 19.02% | 18.56% | 20.27% | 19.42% | +14 bps | |
| Equity / Assets | n/a | n/a | 10.66% | 11.01% | 10.67% | 10.25% | 10.26% | 10.37% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.11% | 62.50% | 59.92% | 63.38% | 62.85% | 61.64% | 57.18% | 59.99% | -340 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 39.04% | 36.34% | 37.51% | 39.75% | 42.32% | 38.17% | +182 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |