Independence, IA · Charter 65264
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.38% | 0.20% | 0.07% | -0.48% | 0.27% | 0.24% | -9.76% | -984 bps | |
| Return on Equity | 2.46% | 1.96% | 1.04% | 0.39% | -2.56% | 1.42% | 1.32% | -89.64% | -9,003 bps | |
| Net Interest Margin | 2.97% | 3.15% | 2.99% | 2.94% | 3.94% | 3.95% | 3.51% | -5.99% | -893 bps | |
| Efficiency Ratio | 82.09% | 80.81% | 87.60% | 93.07% | 65.14% | 62.88% | 68.08% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.00% | -13.52% | -12.95% | -0.72% | -1.93% | 2.01% | 1.60% | -10.41% | -969 bps | |
| Loan Growth (YoY) | -24.96% | -18.79% | -19.61% | -18.68% | -7.83% | -7.58% | -8.18% | -9.12% | +957 bps | |
| Share Growth (YoY) | -16.19% | -14.05% | -15.89% | -0.88% | -1.87% | -0.88% | 1.88% | -0.93% | -5 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.23% | 5.93% | 8.54% | 6.31% | 5.47% | 3.75% | 1.16% | 2.17% | -414 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 | 2.76% | 2.85% | 3.26% | 2.93% | 3.31% | 0.77% | 0.65% | 0.88% | -205 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.70% | 19.18% | 18.77% | 18.57% | 18.83% | 18.76% | 18.51% | 10.89% | -768 bps | |
| Net Worth / Assets | 18.70% | 19.18% | 18.77% | 18.57% | 18.83% | 18.76% | 18.51% | 10.89% | -768 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.63% | 64.21% | 59.59% | 57.83% | 58.84% | 59.87% | 53.71% | 53.05% | -478 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |