Humboldt, IA · Cert 10130
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.17% | 1.36% | 1.48% | 1.29% | 1.45% | 1.67% | 1.43% | -6 bps | |
| Return on Equity | 18.20% | 15.01% | 17.19% | 18.51% | 16.47% | 18.24% | 20.17% | 17.22% | -129 bps | |
| Net Interest Margin | 3.11% | 2.86% | 2.90% | 2.95% | 2.96% | 2.91% | 3.01% | 3.01% | +7 bps | |
| Efficiency Ratio | 54.06% | 60.41% | 54.89% | 50.97% | 55.82% | 51.85% | 46.61% | 45.36% | -561 bps | |
| Non-Interest Burden | 1.47% | 1.50% | 1.32% | 1.26% | 1.46% | 1.24% | 1.08% | 1.08% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.69% | 9.41% | 8.58% | 7.53% | 8.43% | 4.80% | 4.66% | 0.80% | -673 bps | |
| Loan Growth (YoY) | 4.68% | -7.87% | -2.75% | 2.35% | 7.90% | 15.75% | 8.20% | -1.06% | -341 bps | |
| Deposit Growth (YoY) | 10.91% | 12.09% | 3.83% | 2.70% | 5.95% | 2.29% | 7.66% | 1.32% | -138 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% | 0.17% | 0.30% | 0.14% | 0.00% | 0.00% | -0.09% | 1.32% | +118 bps | |
| Allowance / Loans | 1.17% | 1.28% | 1.19% | 1.10% | 1.18% | 1.24% | 1.34% | 1.20% | +10 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 | 12.28% | 12.89% | 12.47% | 12.16% | 12.30% | 12.96% | 13.48% | 13.06% | +90 bps | |
| Equity / Assets | 7.84% | 7.72% | 8.04% | 7.96% | 7.77% | 8.18% | 8.42% | 8.14% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.28% | 62.46% | 69.67% | 72.89% | 68.51% | 70.68% | 70.03% | 71.18% | -171 bps | |
| Liquid Assets / Assets | 6.94% | 10.44% | 10.30% | 8.35% | 8.06% | 7.05% | 6.42% | 4.85% | -350 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |