Clinton, IA · Charter 65106
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 1.01% | 2.00% | 1.43% | 2.16% | 1.92% | 1.48% | -5.26% | -670 bps | |
| Return on Equity | 15.35% | 9.96% | 20.35% | 14.39% | 20.36% | 20.12% | 11.97% | -67.54% | -8,193 bps | |
| Net Interest Margin | 4.07% | 4.11% | 4.32% | 4.58% | 4.94% | 4.41% | 4.39% | 5.56% | +98 bps | |
| Efficiency Ratio | 46.01% | 46.15% | 50.74% | 51.34% | 50.81% | 51.30% | 61.83% | 55.70% | +436 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.46% | 24.18% | 27.31% | 28.43% | 22.32% | 36.17% | 78.95% | 45.58% | +1,714 bps | |
| Loan Growth (YoY) | 14.86% | 12.26% | 9.52% | 35.57% | 30.62% | 58.38% | 139.55% | 57.04% | +2,148 bps | |
| Share Growth (YoY) | 22.98% | 25.89% | 28.81% | 30.33% | 22.63% | 36.98% | 73.67% | 49.45% | +1,912 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.49% | 2.82% | 1.39% | 0.47% | 0.97% | 0.00% | 1.25% | 4.32% | +385 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 | 1.86% | 2.58% | 2.77% | 2.28% | 2.61% | 1.99% | 1.51% | 6.44% | +416 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.85% | 10.13% | 9.81% | 9.96% | 10.60% | 9.55% | 12.36% | 7.79% | -217 bps | |
| Net Worth / Assets | 10.85% | 10.13% | 9.81% | 9.96% | 10.60% | 9.55% | 12.36% | 7.79% | -217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.88% | 90.56% | 81.08% | 98.36% | 101.06% | 104.70% | 111.84% | 103.36% | +500 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |