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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

5.17%Q4 ’084.29%Q4 ’094.02%Q4 ’10-4%+2%

Non-interest income vs. expense

1.96%Q4 ’081.75%Q4 ’091.61%Q4 ’10-14%-14%

Executive Summary

  • Earnings: ROA of 1.43%, down 6 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.32%.
  • Funding: loans stand at 71.18% of deposits as of Q4 2010.

Financial Results

Return on Assets (quarter, annualized)

1.43%-6 bps YoY

Net Interest Margin (quarter, annualized)

3.01%+7 bps YoY

Efficiency Ratio (quarter, annualized)

45.36%-561 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets1.48%1.29%1.45%1.67%1.43%-6 bps
Return on Equity18.51%16.47%18.24%20.17%17.22%-129 bps
Net Interest Margin2.95%2.96%2.91%3.01%3.01%+7 bps
Efficiency Ratio50.97%55.82%51.85%46.61%45.36%-561 bps
Non-Interest Burden1.26%1.46%1.24%1.08%1.08%-18 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%-0.09%1.32%+118 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