Clinton, IA · Charter 60827
Q4 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.09% | 0.17% | 0.10% | -0.19% | -0.70% | -0.31% | -0.72% | -82 bps | |
| Return on Equity | 0.34% | 1.12% | 2.02% | 1.31% | -2.59% | -9.36% | -3.89% | -9.12% | -1,043 bps | |
| Net Interest Margin | 3.17% | 3.09% | 3.35% | 3.12% | 2.58% | 2.74% | 3.12% | 3.34% | +21 bps | |
| Efficiency Ratio | 95.22% | 93.32% | 90.88% | 91.65% | 102.11% | 80.12% | 82.18% | 91.73% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.58% | 14.54% | 7.49% | 12.48% | 10.64% | 3.23% | 1.90% | -7.15% | -1,963 bps | |
| Loan Growth (YoY) | 9.08% | 9.62% | 7.31% | 5.12% | 3.92% | 0.68% | 1.56% | 4.31% | -82 bps | |
| Share Growth (YoY) | 11.36% | 15.94% | 8.13% | 13.65% | 11.69% | 3.82% | 2.36% | -7.13% | -2,078 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.32% | 0.65% | 0.76% | 1.10% | 1.11% | 0.85% | 0.66% | -10 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 | 0.35% | 0.37% | 0.33% | 0.34% | 0.34% | 0.42% | 0.36% | 0.36% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.29% | 8.04% | 8.47% | 7.95% | 7.53% | 7.49% | 8.06% | 7.85% | -10 bps | |
| Net Worth / Assets | 8.29% | 8.04% | 8.47% | 7.95% | 7.53% | 7.49% | 8.06% | 7.85% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.47% | 71.00% | 75.25% | 69.77% | 66.50% | 68.85% | 74.66% | 78.36% | +859 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |