Clinton, IA · Charter 65107
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.53% | 1.22% | 1.14% | 1.02% | 1.41% | 0.83% | 1.42% | 1.15% | +13 bps | |
| Return on Equity | -1.90% | 4.42% | 4.04% | 3.97% | 5.90% | 3.61% | 6.19% | 4.65% | +68 bps | |
| Net Interest Margin | 3.75% | 3.91% | 4.33% | 4.03% | 4.21% | 4.11% | 4.30% | 4.59% | +56 bps | |
| Efficiency Ratio | 69.80% | 59.41% | 66.45% | 68.46% | 66.86% | 77.04% | 67.44% | 68.74% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.50% | 5.09% | 2.73% | 15.51% | 24.24% | 26.51% | 34.78% | 13.22% | -229 bps | |
| Loan Growth (YoY) | 16.83% | 18.40% | 26.27% | 35.48% | 22.31% | 10.29% | 1.36% | -0.26% | -3,574 bps | |
| Share Growth (YoY) | 5.78% | 5.89% | 1.67% | 19.85% | 31.39% | 34.65% | 45.84% | 14.59% | -527 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.36% | 0.00% | 2.80% | 0.32% | 0.27% | 0.48% | 0.00% | 0.00% | -32 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 | 1.34% | 1.14% | 1.12% | 1.05% | 0.87% | 0.82% | 0.37% | 0.54% | -51 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.11% | 27.60% | 28.34% | 25.72% | 23.97% | 22.86% | 22.86% | 24.65% | -106 bps | |
| Net Worth / Assets | 28.11% | 27.60% | 28.34% | 25.72% | 23.97% | 22.86% | 22.86% | 24.65% | -106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 116.18% | 130.06% | 136.77% | 125.58% | 108.16% | 106.54% | 95.05% | 109.30% | -1,627 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |