Mason City, IA · Cert 34212
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 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.
Mason City, IA · Cert 34212
FDIC
Q4 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 13.14% | 13.47% | 14.68% | 14.96% | 16.49% | 16.66% | 18.07% | 19.29% | +432 bps | |
| Return on Equity | 13.61% | 13.94% | 15.19% | 15.46% | 16.97% | 17.16% | 18.60% | 19.84% | +438 bps | |
| Net Interest Margin | 2.21% | 2.19% | 2.08% | 1.99% | 1.88% | 1.78% | 1.71% | 1.57% | -42 bps | |
| Efficiency Ratio | 70.15% | 69.96% | 67.45% | 66.73% | 63.08% | 62.47% | 59.71% | 60.15% | -658 bps | |
| Non-Interest Burden | -11.54% | -11.60% | -12.74% | -12.75% | -15.65% | -15.12% | -16.61% | -15.86% | -311 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.66% | 14.29% | 14.89% | 19.60% | 19.55% | 19.72% | 19.07% | 19.25% | -35 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 234% | 255% | 256% | 267% | 250% | 249% | 251% | 101.70% | -16,500 bps | |
| Equity / Assets | 96.30% | 96.69% | 96.57% | 97.29% | 96.95% | 97.06% | 97.27% | 97.48% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 11.60% | 15.13% | 18.58% | 21.18% | 24.62% | 27.75% | 30.19% | 91.39% | +7,021 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |