Newton, IA · Charter 65241
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.52% | -0.51% | -0.57% | -0.74% | 0.03% | -1.62% | -1.78% | -1.82% | -109 bps | |
| Return on Equity | -3.05% | -1.05% | -1.14% | -1.42% | 0.06% | -3.15% | -3.52% | -3.65% | -223 bps | |
| Net Interest Margin | 3.14% | 3.09% | 3.13% | 3.09% | 2.51% | 2.48% | 2.29% | 2.07% | -102 bps | |
| Efficiency Ratio | 107.40% | 93.23% | 115.91% | 121.51% | 98.83% | 162.10% | 177.92% | 187.73% | +6,622 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.40% | -0.05% | -1.99% | -2.11% | -5.89% | -8.59% | -5.41% | -0.23% | +187 bps | |
| Loan Growth (YoY) | -33.96% | -37.06% | -35.90% | -37.50% | -25.96% | 22.31% | 5.65% | 21.38% | +5,888 bps | |
| Share Growth (YoY) | 2.10% | 0.60% | -3.38% | -2.56% | -11.19% | -13.85% | -6.83% | 4.08% | +664 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.63% | 0.00% | 0.00% | 0.56% | 5.10% | 6.27% | 6.01% | +601 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 | 16.58% | 19.22% | 20.28% | 23.63% | 21.66% | 14.81% | 18.76% | 19.03% | -460 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 49.83% | 48.69% | 49.76% | 52.02% | 52.62% | 51.58% | 50.64% | 50.01% | -201 bps | |
| Net Worth / Assets | 49.83% | 48.69% | 49.76% | 52.02% | 52.62% | 51.58% | 50.64% | 50.01% | -201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.54% | 55.67% | 53.45% | 50.45% | 56.31% | 79.03% | 60.61% | 58.83% | +838 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |