Fort Dodge, IA · Charter 63667
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.00% | -0.79% | -0.74% | -3.96% | -2.23% | -1.17% | -0.39% | +35 bps | |
| Return on Equity | 1.01% | -0.01% | -7.37% | -6.30% | -33.75% | -18.03% | -10.03% | -3.30% | +300 bps | |
| Net Interest Margin | 3.48% | 3.10% | 2.12% | 2.82% | 2.48% | 2.52% | 2.30% | 2.27% | -55 bps | |
| Efficiency Ratio | 76.43% | 83.31% | 129.39% | 116.87% | 242% | 179.62% | 145.93% | 115.38% | -149 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.96% | 17.21% | 10.84% | 0.20% | -7.91% | -20.12% | -16.67% | -2.90% | -311 bps | |
| Loan Growth (YoY) | -4.51% | -5.36% | -7.02% | -2.05% | -16.39% | -8.77% | -9.30% | -22.81% | -2,076 bps | |
| Share Growth (YoY) | 10.27% | 20.01% | 12.07% | 1.12% | -6.95% | -20.91% | -17.38% | -2.61% | -372 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.00% | 0.63% | 1.84% | 1.32% | 1.29% | 1.22% | 1.34% | -51 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 | 2.06% | 2.32% | 2.27% | 2.24% | 1.96% | 2.00% | 1.95% | 2.21% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.33% | 11.29% | 10.77% | 11.72% | 11.74% | 12.36% | 11.67% | 11.68% | -5 bps | |
| Net Worth / Assets | 12.33% | 11.29% | 10.77% | 11.72% | 11.74% | 12.36% | 11.67% | 11.68% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.62% | 31.72% | 31.48% | 37.03% | 34.70% | 36.59% | 34.56% | 29.35% | -768 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |