Keokuk, IA · Charter 63881
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Keokuk, IA · Charter 63881
Q1 2012
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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.04% | -0.01% | -9.26% | -0.61% | -8.96% | -6.73% | -8.54% | -16.43% | -1,582 bps | |
| Return on Equity | -9.65% | -0.06% | -58.65% | -4.26% | -81.90% | -65.11% | -118.88% | -284% | -27,968 bps | |
| Net Interest Margin | 6.29% | 6.02% | 6.01% | 6.64% | 7.32% | 7.50% | 7.77% | 6.61% | -3 bps | |
| Efficiency Ratio | 93.49% | 100.19% | 125.92% | 109.05% | 109.69% | 116.36% | 129.34% | 215% | +10,568 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.48% | -8.36% | -14.15% | -9.36% | -10.24% | -10.10% | -4.58% | -14.24% | -487 bps | |
| Loan Growth (YoY) | -13.27% | -20.10% | -8.58% | 0.95% | 8.57% | 29.10% | 2.43% | -24.69% | -2,563 bps | |
| Share Growth (YoY) | -4.25% | -8.97% | -6.38% | -7.42% | 3.94% | 4.89% | 4.92% | 1.28% | +870 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 19.95% | 22.89% | 18.19% | 8.59% | 3.94% | 8.00% | 10.40% | 4.95% | -363 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 | 1.19% | 1.37% | 4.29% | 2.88% | 2.59% | 2.80% | 5.93% | 3.29% | +41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.09% | 21.08% | 15.79% | 14.41% | 10.94% | 10.33% | 7.18% | 5.79% | -862 bps | |
| Net Worth / Assets | 21.09% | 21.08% | 15.79% | 14.41% | 10.94% | 10.33% | 7.18% | 5.79% | -862 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.97% | 85.31% | 89.89% | 101.33% | 102.34% | 105.01% | 87.75% | 75.35% | -2,598 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |