Mount Pleasant, IA · Cert 35373
FDIC
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.49% | 0.56% | 0.59% | 0.63% | 0.67% | 0.70% | 0.72% | +13 bps | |
| Return on Equity | 5.47% | 3.78% | 4.33% | 4.53% | 4.75% | 4.85% | 5.07% | 5.20% | +67 bps | |
| Net Interest Margin | 3.18% | 3.02% | 3.10% | 3.17% | 3.14% | 3.13% | 3.21% | 3.24% | +7 bps | |
| Efficiency Ratio | 69.77% | 78.20% | 76.07% | 74.94% | 73.51% | 70.94% | 70.67% | 69.97% | -496 bps | |
| Non-Interest Burden | 2.04% | 2.25% | 2.25% | 2.25% | 2.18% | 2.09% | 2.13% | 2.12% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.33% | -6.10% | -3.19% | -2.25% | -4.31% | -2.74% | -2.52% | 1.12% | +336 bps | |
| Loan Growth (YoY) | 3.26% | -8.61% | 2.59% | 3.25% | -0.17% | 4.28% | -4.73% | -2.61% | -586 bps | |
| Deposit Growth (YoY) | 4.28% | 5.15% | 6.59% | -0.35% | -0.52% | -0.05% | 1.07% | 4.25% | +461 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 | 0.09% | -0.01% | -0.07% | -0.04% | -0.03% | 0.00% | 0.16% | 0.12% | +17 bps | |
| Allowance / Loans | 1.24% | 1.30% | 1.27% | 1.30% | 1.30% | 1.29% | 1.28% | 1.29% | -1 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 | 10.63% | 10.63% | 10.21% | 10.58% | 10.97% | 10.52% | 11.11% | 11.37% | +79 bps | |
| Equity / Assets | 13.01% | 12.76% | 13.09% | 13.55% | 13.96% | 13.58% | 13.89% | 13.93% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.07% | 65.61% | 71.13% | 70.40% | 69.31% | 68.45% | 67.05% | 65.77% | -463 bps | |
| Liquid Assets / Assets | 19.84% | 19.73% | 20.01% | 20.36% | 20.64% | 20.20% | 16.87% | 14.79% | -556 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |