Mason City, IA · Charter 64090
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Mason City, IA · Charter 64090
Q3 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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.90% | -0.22% | -0.38% | -0.77% | -0.48% | -0.33% | -0.14% | -0.25% | +52 bps | |
| Return on Equity | -4.60% | -1.17% | -2.05% | -4.13% | -2.65% | -1.90% | -0.78% | -1.40% | +272 bps | |
| Net Interest Margin | 2.99% | 2.86% | 2.96% | 3.00% | 3.08% | 3.28% | 3.08% | 3.00% | 0 bps | |
| Efficiency Ratio | 118.28% | 105.18% | 109.00% | 117.90% | 111.17% | 107.47% | 103.16% | 105.75% | -1,215 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.62% | 10.03% | 9.25% | 1.87% | 5.64% | 4.04% | 3.63% | 5.40% | +353 bps | |
| Loan Growth (YoY) | -7.69% | -10.58% | -6.10% | -3.92% | -5.46% | -1.80% | 0.37% | 6.73% | +1,066 bps | |
| Share Growth (YoY) | 5.77% | 13.57% | 12.47% | 3.34% | 7.37% | 5.48% | 4.84% | 6.73% | +339 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.15% | 0.04% | 0.40% | 0.15% | 0.03% | 0.00% | 0.16% | -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 | 0.32% | 0.35% | 0.35% | 0.36% | 0.34% | 0.35% | 0.35% | 0.34% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.48% | 18.60% | 18.77% | 18.63% | 18.23% | 17.38% | 17.75% | 17.57% | -107 bps | |
| Net Worth / Assets | 19.48% | 18.60% | 18.77% | 18.63% | 18.23% | 17.38% | 17.75% | 17.57% | -107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.82% | 53.23% | 54.25% | 52.69% | 53.56% | 49.56% | 51.94% | 52.69% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |