Oskaloosa, IA · Cert 11354
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Oskaloosa, IA · Cert 11354
FDIC
Q4 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.03% | 0.90% | 1.04% | 0.88% | 0.55% | 0.36% | 0.59% | -45 bps | |
| Return on Equity | 15.26% | 13.40% | 11.50% | 13.23% | 10.61% | 6.67% | 4.32% | 7.04% | -619 bps | |
| Net Interest Margin | 3.10% | 3.07% | 2.37% | 2.53% | 3.20% | 3.28% | 3.34% | 3.36% | +83 bps | |
| Efficiency Ratio | 62.55% | 65.98% | 69.63% | 66.05% | 68.23% | 72.05% | 68.99% | 65.58% | -47 bps | |
| Non-Interest Burden | 1.72% | 1.82% | 1.51% | 1.50% | 2.00% | 2.28% | 2.17% | 2.03% | +53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.74% | 0.92% | 37.95% | 44.77% | 39.98% | 38.69% | 2.39% | 0.11% | -4,466 bps | |
| Loan Growth (YoY) | 10.57% | 14.72% | 62.21% | 58.10% | 55.98% | 51.99% | 2.43% | -6.05% | -6,414 bps | |
| Deposit Growth (YoY) | 2.84% | 4.71% | 49.42% | 53.62% | 46.57% | 43.22% | 2.44% | -0.57% | -5,419 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 | 0.10% | 0.24% | 0.10% | 0.09% | 0.10% | 0.13% | 0.09% | 1.00% | +91 bps | |
| Allowance / Loans | 1.10% | 1.08% | 1.09% | 1.10% | 1.19% | 1.37% | 1.96% | 1.31% | +20 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 | 12.15% | 11.90% | 11.93% | 12.07% | 12.46% | 12.74% | 12.85% | 13.54% | +147 bps | |
| Equity / Assets | 7.71% | 7.43% | 8.11% | 8.15% | 8.42% | 8.31% | 8.70% | 8.60% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.63% | 73.63% | 80.37% | 80.05% | 80.48% | 78.14% | 80.36% | 75.65% | -441 bps | |
| Liquid Assets / Assets | 2.93% | 4.52% | 5.22% | 5.06% | 4.87% | 4.35% | 3.78% | 3.32% | -175 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |