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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 14.96% | 16.49% | 16.66% | 18.07% | 19.29% | +432 bps | |
| Return on Equity | 15.46% | 16.97% | 17.16% | 18.60% | 19.84% | +438 bps | |
| Net Interest Margin | 1.99% | 1.88% | 1.78% | 1.71% | 1.57% | -42 bps | |
| Efficiency Ratio | 66.73% | 63.08% | 62.47% | 59.71% | 60.15% | -658 bps | |
| Non-Interest Burden | -12.75% | -15.65% | -15.12% | -16.61% | -15.86% | -311 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 267% | 250% | 249% | 251% | 101.70% | -16,500 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |