Clinton, IA · Charter 61247
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Clinton, IA · Charter 61247
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.47% | 0.87% | 0.51% | 0.41% | 0.50% | 0.34% | 0.17% | -34 bps | |
| Return on Equity | 2.29% | 2.55% | 4.48% | 2.67% | 2.13% | 2.51% | 1.70% | 1.26% | -141 bps | |
| Net Interest Margin | 3.67% | 4.04% | 3.91% | 3.94% | 4.06% | 4.33% | 3.90% | 3.80% | -14 bps | |
| Efficiency Ratio | 89.37% | 88.47% | 80.18% | 85.66% | 87.51% | 86.32% | 91.45% | 95.50% | +984 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.46% | -11.40% | -11.68% | -11.93% | -8.25% | -4.02% | -0.34% | -0.31% | +1,162 bps | |
| Loan Growth (YoY) | -8.98% | -5.03% | -16.68% | -15.56% | -7.44% | -9.81% | -5.32% | -12.25% | +331 bps | |
| Share Growth (YoY) | -13.91% | -14.08% | -14.74% | -15.00% | -10.62% | -5.61% | -0.94% | 6.82% | +2,182 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.59% | 3.14% | 2.52% | 2.60% | 5.36% | 5.19% | 5.28% | 5.68% | +307 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 | 2.29% | 2.07% | 0.97% | 1.07% | 1.05% | 1.12% | 1.18% | 1.32% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.36% | 18.58% | 19.33% | 19.29% | 19.39% | 19.86% | 19.75% | 13.58% | -572 bps | |
| Net Worth / Assets | 17.36% | 18.58% | 19.33% | 19.29% | 19.39% | 19.86% | 19.75% | 13.58% | -572 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.66% | 99.27% | 92.74% | 88.97% | 95.96% | 94.85% | 88.64% | 73.08% | -1,588 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |