Oskaloosa, IA · Cert 14197
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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 14197
FDIC
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.33% | 0.83% | 1.03% | 1.00% | 0.97% | 0.87% | 0.91% | -13 bps | |
| Return on Equity | 14.76% | 13.88% | 8.82% | 10.94% | 10.61% | 10.30% | 9.29% | 9.66% | -128 bps | |
| Net Interest Margin | 4.22% | 4.03% | 3.95% | 4.05% | 3.94% | 3.75% | 3.62% | 3.57% | -48 bps | |
| Efficiency Ratio | 53.26% | 53.60% | 55.67% | 52.39% | 53.58% | 54.47% | 58.76% | 56.11% | +372 bps | |
| Non-Interest Burden | 1.98% | 1.90% | 1.96% | 1.86% | 1.85% | 1.80% | 1.89% | 1.75% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 146.43% | 138.22% | 11.02% | 6.87% | 6.84% | 5.61% | 5.06% | 6.29% | -58 bps | |
| Loan Growth (YoY) | 140.79% | 130.59% | 11.31% | 5.37% | 7.35% | 4.65% | 3.80% | 8.16% | +279 bps | |
| Deposit Growth (YoY) | 136.28% | 143.03% | 11.49% | 10.44% | 8.65% | 2.64% | 4.38% | 4.14% | -630 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 | 0.27% | 0.35% | 0.82% | 0.84% | 0.84% | 0.73% | 0.49% | 0.63% | -22 bps | |
| Allowance / Loans | 1.38% | 1.32% | 1.35% | 1.34% | 1.19% | 1.19% | 1.21% | 1.14% | -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 | 11.10% | 10.83% | 10.98% | 11.32% | 10.90% | 10.87% | 10.90% | 10.74% | -58 bps | |
| Equity / Assets | 9.58% | 9.31% | 9.43% | 9.61% | 9.49% | 9.33% | 9.46% | 9.37% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.17% | 106.68% | 106.03% | 105.40% | 108.85% | 108.77% | 105.44% | 109.47% | +407 bps | |
| Liquid Assets / Assets | 1.73% | 1.67% | 1.62% | 1.51% | 1.44% | 1.37% | 1.35% | 1.09% | -41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |