Muscatine, IA · Charter 65233
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Muscatine, IA · Charter 65233
Q2 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.55% | -0.40% | -0.17% | 0.13% | 0.04% | -1.29% | -0.25% | -8 bps | |
| Return on Equity | 4.79% | 4.38% | -3.42% | -1.36% | 1.01% | 0.32% | -10.81% | -2.32% | -96 bps | |
| Net Interest Margin | 4.62% | 4.34% | 4.08% | 4.25% | 4.40% | 4.54% | 4.29% | 3.91% | -34 bps | |
| Efficiency Ratio | 85.34% | 86.60% | 108.91% | 102.97% | 98.05% | 99.61% | 109.65% | 97.40% | -558 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.32% | 1.06% | 12.47% | 6.20% | 2.12% | -6.15% | -6.87% | 9.44% | +324 bps | |
| Loan Growth (YoY) | -4.04% | 0.35% | 8.17% | 14.84% | 6.58% | 4.51% | 2.61% | -4.35% | -1,919 bps | |
| Share Growth (YoY) | -4.09% | -0.22% | 13.83% | 7.10% | 2.08% | -6.85% | -6.84% | 1.90% | -519 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.30% | 2.06% | 1.13% | 1.15% | 1.34% | 3.58% | 1.02% | 1.02% | -13 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 | 1.22% | 1.22% | 1.08% | 0.98% | 0.98% | 0.45% | 0.80% | 0.82% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.73% | 12.49% | 11.76% | 12.22% | 12.64% | 13.33% | 11.90% | 10.64% | -158 bps | |
| Net Worth / Assets | 12.73% | 12.49% | 11.76% | 12.22% | 12.64% | 13.33% | 11.90% | 10.64% | -158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.89% | 89.72% | 85.76% | 96.72% | 94.90% | 100.66% | 94.46% | 90.79% | -593 bps | |
| Liquid Assets / Assets | 14.16% | 15.02% | 16.35% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |