Iowa City, IA · Charter 60287
Q4 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.84% | 0.90% | 0.31% | 0.61% | 1.14% | 0.36% | 0.43% | +12 bps | |
| Return on Equity | 4.37% | 4.63% | 4.83% | 1.74% | 3.46% | 6.53% | 2.01% | 2.43% | +69 bps | |
| Net Interest Margin | 4.74% | 4.79% | 4.97% | 4.93% | 4.57% | 5.00% | 4.43% | 4.26% | -67 bps | |
| Efficiency Ratio | 86.04% | 85.52% | 85.10% | 84.38% | 89.83% | 81.56% | 93.70% | 92.24% | +786 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.26% | -1.27% | 2.96% | 3.67% | 5.81% | 6.15% | 2.27% | 3.68% | +1 bps | |
| Loan Growth (YoY) | -6.78% | -8.61% | -2.62% | 6.98% | -3.21% | -1.54% | 2.44% | 3.11% | -387 bps | |
| Share Growth (YoY) | -4.76% | -2.72% | 2.75% | 4.07% | 6.63% | 7.00% | 2.99% | 4.01% | -6 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.74% | 3.89% | 2.12% | 2.43% | 0.18% | 0.90% | 0.34% | 0.46% | -197 bps | |
| 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 | 0.91% | 0.98% | 1.00% | 2.70% | 0.84% | 1.07% | 1.01% | 0.95% | -175 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.41% | 18.04% | 18.69% | 17.87% | 17.67% | 17.47% | 18.20% | 17.67% | -20 bps | |
| Net Worth / Assets | 18.41% | 18.04% | 18.69% | 17.87% | 17.67% | 17.47% | 18.20% | 17.67% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.73% | 39.37% | 41.31% | 42.29% | 37.88% | 36.23% | 41.09% | 41.92% | -37 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |