Mt. Pleasant, IA · Charter 64966
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | 0.99% | 1.07% | 0.51% | 1.42% | 2.35% | 2.72% | -9.16% | -967 bps | |
| Return on Equity | -0.77% | 6.87% | 7.84% | 4.04% | 12.03% | 19.96% | 23.17% | -258% | -26,176 bps | |
| Net Interest Margin | 5.40% | 5.56% | 5.24% | 5.05% | 4.35% | 4.91% | 4.72% | 5.40% | +35 bps | |
| Efficiency Ratio | 51.80% | 50.31% | 55.38% | 52.26% | 47.20% | 46.42% | 39.66% | 47.97% | -429 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.54% | 15.74% | 28.96% | 28.51% | 45.87% | 46.97% | 43.69% | 32.31% | +379 bps | |
| Loan Growth (YoY) | 30.27% | 18.59% | 17.44% | 29.07% | 41.60% | 45.75% | 55.70% | 45.14% | +1,607 bps | |
| Share Growth (YoY) | 33.65% | 19.43% | 40.01% | 30.34% | 43.31% | 51.49% | 37.13% | 47.02% | +1,668 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 1.04% | 1.55% | 1.33% | 1.14% | 1.81% | 1.40% | 20.38% | +1,905 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 | 0.89% | 1.27% | 1.31% | 1.71% | 1.49% | 1.25% | 1.16% | 10.01% | +831 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.40% | 14.48% | 13.64% | 12.63% | 11.82% | 11.77% | 11.72% | 3.55% | -908 bps | |
| Net Worth / Assets | 14.40% | 14.48% | 13.64% | 12.63% | 11.82% | 11.77% | 11.72% | 3.55% | -908 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 115.05% | 117.81% | 105.74% | 105.73% | 113.68% | 113.35% | 120.05% | 104.38% | -135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |