Muscatine, IA · Charter 65552
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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 65552
Q2 2008
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.30% | 1.30% | 1.29% | 1.40% | 1.39% | 1.42% | 1.24% | -5 bps | |
| Return on Equity | 5.72% | 5.04% | 5.04% | 5.13% | 5.32% | 4.87% | 5.06% | 4.69% | -44 bps | |
| Net Interest Margin | 5.16% | 5.50% | 5.54% | 5.36% | 5.50% | 5.87% | 5.20% | 4.91% | -45 bps | |
| Efficiency Ratio | 74.49% | 77.69% | 77.97% | 77.43% | 75.70% | 77.74% | 74.45% | 77.76% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.45% | -4.50% | -2.21% | 0.89% | -2.62% | -4.94% | -2.96% | -5.31% | -620 bps | |
| Loan Growth (YoY) | 6.26% | 6.16% | -2.98% | -3.29% | -5.10% | -8.05% | -6.42% | -2.53% | +76 bps | |
| Share Growth (YoY) | -6.11% | -7.37% | -3.10% | -0.80% | -6.32% | -9.19% | -6.75% | -8.06% | -726 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.88% | 0.02% | 0.00% | 0.00% | 0.09% | 1.23% | 1.84% | +184 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 | 3.06% | 2.99% | 3.14% | 3.29% | 3.18% | 3.21% | 3.24% | 3.29% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.42% | 25.84% | 25.84% | 25.12% | 26.40% | 28.58% | 28.00% | 26.32% | +120 bps | |
| Net Worth / Assets | 24.42% | 25.84% | 25.84% | 25.12% | 26.40% | 28.58% | 28.00% | 26.32% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.57% | 86.76% | 81.02% | 73.43% | 81.62% | 87.84% | 81.30% | 77.85% | +442 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |