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Humboldt Trust & Savings Bank

Humboldt, IA · Cert 10130

FDIC

Q4 2010

$171.5MAssets
$100.6MLoans
$141.3MDeposits
$14.0MEquity
Loan mix
73%RE $47.5M27%C&I $17.9M0%Consumer $0.0MQ4 2009Q4 2010
Deposit mix
84%Interest-bearing $118.2M16%Noninterest $23.0MQ4 2009Q4 2010

NIM

5.16%Q4 ’084.37%Q4 ’094.03%Q4 ’10-3%+2%

Non-interest income vs. expense

1.82%Q4 ’081.86%Q4 ’091.71%Q4 ’10+10%-11%

Executive Summary

  • Earnings: ROA of 1.46%, up 11 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.31%.
  • Funding: loans stand at 71.18% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

1.46%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.91%+5 bps YoY

Efficiency Ratio (YTD, annualized)

49.80%-524 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets1.35%1.29%1.38%1.48%1.46%+11 bps
Return on Equity17.23%16.47%17.32%18.26%18.08%+85 bps
Net Interest Margin2.86%2.96%2.94%2.99%2.91%+5 bps
Efficiency Ratio55.05%55.82%53.82%51.35%49.80%-524 bps
Non-Interest Burden1.34%1.46%1.35%1.27%1.19%-15 bps
Growth
Asset Growth (YoY)7.53%8.43%4.80%4.66%0.80%-673 bps
Loan Growth (YoY)2.35%7.90%15.75%8.20%-1.06%-341 bps
Deposit Growth (YoY)2.70%5.95%2.29%7.66%1.32%-138 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.00%0.00%-0.03%0.31%+17 bps
Allowance / Loans1.10%1.18%1.24%1.34%1.20%+10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.16%12.30%12.96%13.48%13.06%+90 bps
Equity / Assets7.96%7.77%8.18%8.42%8.14%+18 bps
Liquidity & Funding
Loans / Deposits72.89%68.51%70.68%70.03%71.18%-171 bps
Liquid Assets / Assets8.35%8.06%7.05%6.42%4.85%-350 bps
CRE / Total Capitaln/an/an/an/an/an/an/a