Mason City, IA · Cert 34212
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 15.68% | 16.49% | 16.84% | 20.74% | 22.57% | +689 bps | |
| Return on Equity | 16.18% | 16.97% | 17.36% | 21.34% | 23.18% | +700 bps | |
| Net Interest Margin | 2.01% | 1.88% | 1.82% | 1.65% | 1.40% | -61 bps | |
| Efficiency Ratio | 64.76% | 63.08% | 61.89% | 54.75% | 61.44% | -332 bps | |
| Non-Interest Burden | -14.60% | -15.65% | -15.65% | -20.41% | -15.79% | -119 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 |