Des Moines, IA · Charter 61227
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.23% | 0.32% | 0.16% | 0.00% | 0.26% | 0.40% | -9.72% | -988 bps | |
| Return on Equity | 0.66% | 1.16% | 1.56% | 0.75% | 0.02% | 1.22% | 2.13% | -74.73% | -7,548 bps | |
| Net Interest Margin | 4.35% | 4.40% | 4.36% | 4.47% | 4.37% | 4.13% | 3.72% | -5.51% | -998 bps | |
| Efficiency Ratio | 93.62% | 91.75% | 91.25% | 93.74% | 97.79% | 94.09% | 89.66% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.42% | 13.43% | 11.36% | 4.36% | -0.13% | -5.06% | 7.69% | 3.06% | -130 bps | |
| Loan Growth (YoY) | -3.06% | -4.64% | -0.77% | 11.09% | 1.97% | 3.53% | -0.63% | -13.52% | -2,461 bps | |
| Share Growth (YoY) | 2.68% | 20.67% | 14.42% | 8.49% | 3.09% | -6.28% | 6.68% | 13.06% | +456 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.00% | 0.00% | 0.30% | 0.00% | 0.00% | 0.00% | 0.07% | -23 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 | 1.18% | 1.10% | 1.00% | 0.99% | 0.90% | 0.92% | 0.96% | 1.34% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.41% | 19.81% | 20.35% | 21.10% | 21.34% | 20.87% | 18.95% | 13.01% | -809 bps | |
| Net Worth / Assets | 21.41% | 19.81% | 20.35% | 21.10% | 21.34% | 20.87% | 18.95% | 13.01% | -809 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.76% | 86.47% | 91.59% | 97.39% | 99.66% | 95.52% | 85.32% | 74.49% | -2,289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |