Rockwell City, IA · Cert 8514
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Rockwell City, IA · Cert 8514
FDIC
Q4 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.75% | 1.59% | 1.75% | 1.61% | 1.26% | 1.40% | 1.49% | 1.49% | -12 bps | |
| Return on Equity | 12.32% | 11.18% | 12.25% | 11.29% | 9.00% | 9.90% | 10.45% | 10.42% | -87 bps | |
| Net Interest Margin | 3.56% | 3.43% | 3.44% | 3.37% | 2.90% | 2.98% | 3.13% | 3.10% | -28 bps | |
| Efficiency Ratio | 49.86% | 54.84% | 51.99% | 57.52% | 60.83% | 60.29% | 58.67% | 61.29% | +377 bps | |
| Non-Interest Burden | 1.55% | 1.63% | 1.44% | 1.59% | 1.61% | 1.56% | 1.56% | 1.61% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.57% | 1.35% | 1.90% | -0.89% | 2.25% | 1.40% | 0.05% | 5.24% | +613 bps | |
| Loan Growth (YoY) | 7.35% | 3.77% | 2.53% | 0.15% | -9.53% | -3.06% | -5.98% | -3.14% | -329 bps | |
| Deposit Growth (YoY) | 0.26% | -0.54% | -0.02% | 0.71% | 6.21% | 4.83% | 3.20% | 6.85% | +614 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.08% | 0.06% | 0.00% | -0.01% | -0.01% | -0.02% | -8 bps | |
| Allowance / Loans | 1.50% | 1.63% | 1.63% | 1.65% | 1.76% | 1.70% | 1.74% | 1.72% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 23.18% | 23.50% | 23.89% | 23.61% | 23.67% | 24.39% | 24.78% | 24.67% | +106 bps | |
| Equity / Assets | 14.26% | 14.25% | 14.66% | 14.18% | 13.84% | 14.31% | 14.87% | 14.41% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.29% | 64.72% | 64.72% | 64.50% | 56.47% | 59.85% | 58.97% | 58.47% | -603 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |