Waterloo, IA · Charter 64945
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Waterloo, IA · Charter 64945
Q4 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.09% | 0.43% | 0.40% | 0.22% | 0.37% | 0.11% | -1.11% | -150 bps | |
| Return on Equity | 1.88% | 0.89% | 4.00% | 3.47% | 1.86% | 3.10% | 0.96% | -9.53% | -1,300 bps | |
| Net Interest Margin | 4.97% | 4.99% | 5.07% | 5.25% | 4.39% | 4.52% | 4.59% | 4.93% | -32 bps | |
| Efficiency Ratio | 82.58% | 84.44% | 87.40% | 90.33% | 96.36% | 95.45% | 98.19% | 116.51% | +2,618 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.31% | 1.66% | -2.53% | -9.70% | -8.19% | -9.61% | -7.79% | -9.44% | +25 bps | |
| Loan Growth (YoY) | -4.75% | -7.93% | -10.25% | -15.22% | -23.34% | -21.06% | -21.33% | -22.58% | -736 bps | |
| Share Growth (YoY) | 1.95% | 3.10% | -3.98% | -9.25% | -6.08% | -12.77% | -8.50% | -9.87% | -62 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 3.74% | 3.18% | 2.03% | 0.00% | 0.72% | 0.22% | 1.48% | -55 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% | 0.30% | 0.38% | 0.40% | 0.45% | 0.39% | 0.42% | 0.47% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.22% | 10.19% | 10.63% | 11.38% | 11.58% | 11.91% | 12.01% | 11.63% | +24 bps | |
| Net Worth / Assets | 10.22% | 10.19% | 10.63% | 11.38% | 11.58% | 11.91% | 12.01% | 11.63% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.86% | 85.90% | 84.59% | 85.27% | 76.60% | 77.74% | 72.73% | 73.24% | -1,202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |