Sioux City, IA · Cert 14713
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Sioux City, IA · Cert 14713
FDIC
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.20% | 0.28% | 0.20% | 0.08% | 0.05% | 0.05% | 0.06% | -13 bps | |
| Return on Equity | 2.62% | 1.88% | 2.53% | 1.76% | 0.78% | 0.45% | 0.49% | 0.68% | -109 bps | |
| Net Interest Margin | 3.33% | 3.43% | 3.00% | 2.95% | 2.91% | 2.83% | 2.73% | 2.78% | -17 bps | |
| Efficiency Ratio | 79.70% | 80.93% | 87.63% | 91.43% | 96.69% | 97.73% | 101.53% | 100.70% | +927 bps | |
| Non-Interest Burden | 2.61% | 2.73% | 2.59% | 2.69% | 2.83% | 2.82% | 2.84% | 2.86% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.04% | -7.23% | -7.38% | 0.93% | 0.33% | 0.66% | 1.59% | 1.13% | +20 bps | |
| Loan Growth (YoY) | -5.31% | -9.31% | -9.37% | -7.98% | -4.36% | -5.33% | -4.72% | 3.06% | +1,104 bps | |
| Deposit Growth (YoY) | -9.31% | -11.99% | -8.85% | 4.39% | 5.42% | 6.61% | 4.02% | -6.94% | -1,133 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 | 0.65% | 0.85% | -0.41% | -0.27% | -0.16% | 0.14% | -1.27% | -0.02% | +25 bps | |
| Allowance / Loans | 1.49% | 1.38% | 1.51% | 1.59% | 1.62% | 1.42% | 1.74% | 1.37% | -22 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 | 12.48% | 12.48% | 12.58% | 12.75% | 10.59% | 10.68% | 10.99% | 10.68% | -207 bps | |
| Equity / Assets | 11.19% | 11.22% | 11.27% | 10.91% | 9.78% | 9.70% | 9.66% | 9.35% | -156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.66% | 91.70% | 87.69% | 81.24% | 84.98% | 81.43% | 80.33% | 89.97% | +873 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | 0.03% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |