Cedar Rapids, IA · Charter 64391
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.10% | 0.14% | -2.32% | 0.03% | 0.12% | 0.36% | 0.58% | +290 bps | |
| Return on Equity | 0.17% | 0.98% | 1.40% | -27.67% | 0.34% | 1.27% | 3.98% | 6.63% | +3,430 bps | |
| Net Interest Margin | 3.48% | 3.51% | 3.56% | 3.36% | 3.37% | 3.69% | 3.80% | 4.29% | +93 bps | |
| Efficiency Ratio | 98.50% | 93.43% | 91.23% | 90.63% | 73.21% | 76.30% | 76.41% | 76.74% | -1,389 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.00% | 6.52% | 7.56% | 12.10% | 17.98% | 10.47% | 11.49% | 8.20% | -390 bps | |
| Loan Growth (YoY) | 11.39% | 5.01% | 6.26% | 8.70% | 8.13% | 11.18% | 10.49% | 9.26% | +56 bps | |
| Share Growth (YoY) | -4.58% | 0.54% | 1.72% | 8.55% | 13.90% | 13.17% | 18.50% | 12.63% | +408 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.45% | 2.10% | 1.50% | 1.07% | 0.46% | 0.57% | 0.71% | 0.70% | -36 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 | 0.43% | 0.55% | 0.43% | 0.53% | 0.66% | 0.60% | 0.62% | 0.79% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.13% | 9.91% | 9.74% | 8.39% | 8.71% | 9.12% | 9.10% | 8.78% | +39 bps | |
| Net Worth / Assets | 10.13% | 9.91% | 9.74% | 8.39% | 8.71% | 9.12% | 9.10% | 8.78% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 111.73% | 119.18% | 119.53% | 107.70% | 106.07% | 117.08% | 111.45% | 104.48% | -322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |