Keokuk, IA · Charter 64667
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.84% | 0.22% | 0.50% | 0.28% | 1.01% | 0.23% | 0.10% | -40 bps | |
| Return on Equity | 2.61% | 8.36% | 2.14% | 4.57% | 2.35% | 8.38% | 1.83% | 0.79% | -379 bps | |
| Net Interest Margin | 3.18% | 3.56% | 3.00% | 3.61% | 3.39% | 3.83% | 3.20% | 3.86% | +25 bps | |
| Efficiency Ratio | 91.51% | 76.37% | 92.78% | 86.04% | 91.74% | 73.69% | 92.94% | 97.30% | +1,126 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | 1.93% | 5.10% | 0.69% | -9.34% | -12.23% | -14.50% | -16.19% | -1,688 bps | |
| Loan Growth (YoY) | 11.92% | 6.91% | 5.70% | 6.93% | 5.05% | 3.79% | -2.99% | -10.08% | -1,702 bps | |
| Share Growth (YoY) | -0.25% | 1.63% | 5.09% | 0.23% | -10.96% | -14.13% | -16.64% | -18.39% | -1,862 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.18% | +18 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 | 0.86% | 0.81% | 0.75% | 0.75% | 0.77% | 0.80% | 0.80% | 0.86% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.32% | 10.07% | 10.12% | 11.02% | 11.92% | 12.03% | 12.37% | 13.26% | +223 bps | |
| Net Worth / Assets | 10.32% | 10.07% | 10.12% | 11.02% | 11.92% | 12.03% | 12.37% | 13.26% | +223 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.95% | 75.80% | 84.99% | 91.49% | 97.87% | 91.62% | 98.90% | 100.81% | +931 bps | |
| Liquid Assets / Assets | 25.04% | 31.27% | 23.04% | 18.02% | 13.17% | 0.00% | 0.00% | 0.00% | -1,802 bps | |