Tabor, IA · Cert 14893
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.76% | 0.63% | -0.36% | 1.25% | 0.90% | 0.66% | 0.68% | +104 bps | |
| Return on Equity | 10.40% | 8.08% | 6.55% | -3.93% | 13.37% | 9.49% | 7.18% | 7.51% | +1,144 bps | |
| Net Interest Margin | 3.99% | 3.81% | 3.89% | 3.29% | 3.51% | 3.57% | 3.45% | 2.95% | -34 bps | |
| Efficiency Ratio | 62.36% | 69.38% | 61.85% | 71.43% | 65.25% | 74.67% | 75.12% | 71.11% | -32 bps | |
| Non-Interest Burden | 2.35% | 2.53% | 2.26% | 2.24% | 2.16% | 2.57% | 2.51% | 1.75% | -50 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 | -0.05% | 0.05% | 1.97% | 2.68% | -0.03% | 0.06% | -0.03% | -0.03% | -272 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 |