Glidden, IA · Cert 15034
FDIC
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.23% | 1.21% | 1.56% | 1.60% | 1.86% | 1.96% | 2.12% | +56 bps | |
| Return on Equity | 12.10% | 10.50% | 9.85% | 12.48% | 12.56% | 14.43% | 14.41% | 15.49% | +301 bps | |
| Net Interest Margin | 3.40% | 3.40% | 3.49% | 3.56% | 3.50% | 3.59% | 3.61% | 3.67% | +11 bps | |
| Efficiency Ratio | 60.11% | 65.59% | 66.37% | 57.93% | 56.61% | 49.83% | 46.90% | 44.21% | -1,372 bps | |
| Non-Interest Burden | 1.91% | 2.11% | 2.22% | 1.92% | 1.83% | 1.61% | 1.54% | 1.44% | -49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.83% | 0.88% | -3.61% | 0.78% | -1.79% | -5.46% | -5.53% | -3.89% | -466 bps | |
| Loan Growth (YoY) | 13.50% | 14.18% | 7.23% | 5.97% | 3.07% | -3.65% | -2.06% | -0.82% | -679 bps | |
| Deposit Growth (YoY) | 3.20% | 3.23% | 0.33% | -1.72% | -0.67% | -2.52% | -4.94% | -2.79% | -107 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 | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.10% | 0.00% | -0.01% | -1 bps | |
| Allowance / Loans | 2.03% | 2.06% | 2.07% | 1.99% | 1.96% | 2.04% | 2.02% | 1.92% | -7 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 | 18.55% | 18.73% | 19.37% | 19.62% | 19.88% | 21.25% | 20.96% | 20.63% | +101 bps | |
| Equity / Assets | 11.94% | 11.87% | 12.72% | 12.92% | 13.33% | 13.51% | 13.74% | 13.77% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.19% | 82.24% | 84.20% | 89.56% | 93.59% | 81.29% | 86.75% | 91.38% | +181 bps | |
| Liquid Assets / Assets | 30.22% | 32.27% | 30.50% | 28.82% | 26.96% | 27.35% | 28.24% | 26.33% | -249 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |