Tabor, IA · Cert 14893
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Tabor, IA · Cert 14893
FDIC
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.79% | 0.63% | 0.13% | 0.50% | 0.60% | 0.66% | 0.67% | +55 bps | |
| Return on Equity | 8.93% | 8.73% | 6.55% | 1.34% | 5.33% | 6.39% | 7.18% | 7.35% | +601 bps | |
| Net Interest Margin | 3.76% | 3.73% | 3.89% | 3.50% | 3.51% | 3.64% | 3.45% | 3.21% | -29 bps | |
| Efficiency Ratio | 64.30% | 65.60% | 61.85% | 66.38% | 66.01% | 68.12% | 75.12% | 73.02% | +664 bps | |
| Non-Interest Burden | 2.29% | 2.33% | 2.26% | 2.20% | 2.19% | 2.36% | 2.51% | 2.14% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.74% | -2.69% | 0.11% | 0.45% | -3.68% | 8.99% | 5.66% | 7.47% | +702 bps | |
| Loan Growth (YoY) | 0.84% | 0.12% | -5.01% | -9.94% | -13.53% | -7.17% | -8.93% | -6.20% | +374 bps | |
| Deposit Growth (YoY) | 7.95% | -4.27% | -1.14% | 0.33% | -4.27% | 9.97% | 6.24% | 7.53% | +720 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 | 0.68% | 0.54% | 1.97% | 2.35% | 1.56% | 1.13% | -0.03% | -0.03% | -238 bps | |
| Allowance / Loans | 1.71% | 1.76% | 1.80% | 1.46% | 1.47% | 1.39% | 1.56% | 1.56% | +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 | 14.95% | 15.27% | 16.49% | 16.57% | 17.21% | 16.31% | 17.66% | 18.02% | +146 bps | |
| Equity / Assets | 9.02% | 9.72% | 9.40% | 9.00% | 9.66% | 9.38% | 9.10% | 8.96% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.78% | 72.41% | 61.28% | 59.80% | 61.23% | 61.12% | 52.53% | 52.16% | -764 bps | |
| Liquid Assets / Assets | 18.92% | 15.42% | 7.07% | 4.53% | 5.02% | 3.59% | 3.25% | 9.70% | +517 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |