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M.H.I.

Mt. Pleasant, IA · Charter 64966

Q3 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

M.H.I.

Mt. Pleasant, IA · Charter 64966

Q3 2011

$2.2MAssets
$2.3MLoans
$2.2MShares
$80KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -9.16%, down 967 bps year over year; NIM at 5.40%.
  • Asset quality: problem loans at 20.38% of loans (+1,905 bps YoY).
  • Capital: net worth / assets of 3.55%, down 908 bps from a year ago.
  • Funding: loans stand at 104.38% of shares as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-9.16%-967 bps YoY

Net Interest Margin (YTD, annualized)

5.40%+35 bps YoY

Efficiency Ratio (YTD, annualized)

47.97%-429 bps YoY

Net Worth / Assets

3.55%-908 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets0.51%1.42%2.35%2.72%-9.16%-967 bps
Return on Equity4.04%12.03%19.96%23.17%-258%-26,176 bps
Net Interest Margin5.05%4.35%4.91%4.72%5.40%+35 bps
Efficiency Ratio52.26%47.20%46.42%39.66%47.97%-429 bps
Growth
Asset Growth (YoY)28.51%45.87%46.97%43.69%32.31%+379 bps
Loan Growth (YoY)29.07%41.60%45.75%55.70%45.14%+1,607 bps
Share Growth (YoY)30.34%43.31%51.49%37.13%47.02%+1,668 bps
Asset Quality
Delinquent Loans / Loans1.33%1.14%1.81%1.40%20.38%+1,905 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.71%1.49%1.25%1.16%10.01%+831 bps
Capital
Risk-Based Capital12.63%11.82%11.77%11.72%3.55%-908 bps
Net Worth / Assets12.63%11.82%11.77%11.72%3.55%-908 bps
Liquidity & Funding
Loans / Shares105.73%113.68%113.35%120.05%104.38%-135 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps