Ottumwa, IA · Charter 65140
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.03% | 0.03% | 0.04% | -5.33% | -5.36% | -5.24% | 0.03% | -1 bps | |
| Return on Equity | 0.30% | 0.30% | 0.28% | 0.33% | -62.27% | -74.00% | -73.02% | 0.50% | +16 bps | |
| Net Interest Margin | 6.71% | 6.66% | 6.77% | 6.53% | 6.23% | 6.16% | 6.59% | 6.48% | -5 bps | |
| Efficiency Ratio | 62.91% | 71.08% | 75.87% | 61.92% | 82.75% | 99.44% | 99.32% | 97.74% | +3,582 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.65% | -23.50% | -19.88% | -15.32% | 1.00% | 0.15% | -8.55% | -12.91% | +241 bps | |
| Loan Growth (YoY) | 5.24% | 9.82% | -1.45% | -6.51% | 0.51% | -0.34% | -8.85% | -14.48% | -797 bps | |
| Share Growth (YoY) | -11.84% | -25.67% | -22.61% | -25.34% | -12.18% | -30.64% | -36.68% | -31.83% | -650 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.21% | 8.25% | 7.01% | 6.31% | 3.65% | 3.95% | 0.90% | 2.07% | -424 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 | 2.74% | 2.93% | 1.77% | 1.57% | 1.90% | 1.01% | 1.13% | 3.04% | +147 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.33% | 11.27% | 11.34% | 11.55% | 8.56% | 7.24% | 7.17% | 6.07% | -548 bps | |
| Net Worth / Assets | 11.33% | 11.27% | 11.34% | 11.55% | 8.56% | 7.24% | 7.17% | 6.07% | -548 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.06% | 106.98% | 106.84% | 116.30% | 122.54% | 153.71% | 153.82% | 145.91% | +2,961 bps | |
| Liquid Assets / Assets | 6.31% | 6.23% | 6.34% | 7.87% | 0.00% | 0.00% | 0.00% | 0.00% | -787 bps | |