Worthington, IA · Cert 15521
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.86% | 0.82% | 0.77% | 1.13% | 0.89% | 0.81% | 0.94% | +17 bps | |
| Return on Equity | 5.92% | 5.64% | 5.37% | 4.90% | 6.94% | 5.28% | 4.77% | 5.52% | +62 bps | |
| Net Interest Margin | 3.50% | 3.38% | 3.44% | 3.62% | 3.60% | 3.65% | 3.38% | 3.74% | +12 bps | |
| Efficiency Ratio | 61.55% | 62.76% | 63.90% | 64.08% | 56.70% | 63.31% | 65.23% | 61.75% | -233 bps | |
| Non-Interest Burden | 2.07% | 2.02% | 2.13% | 2.26% | 1.94% | 2.21% | 2.17% | 2.22% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.33% | 0.98% | 1.17% | 0.28% | -4.15% | -7.67% | -4.91% | -4.40% | -468 bps | |
| Loan Growth (YoY) | -4.58% | 1.10% | -1.46% | -4.74% | -1.63% | -5.65% | -1.66% | 4.64% | +938 bps | |
| Deposit Growth (YoY) | 5.14% | 1.33% | 1.83% | 1.40% | -5.97% | -11.60% | -9.47% | -9.56% | -1,095 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.81% | 0.77% | 0.75% | 0.80% | 0.82% | 0.81% | 0.76% | 0.81% | +1 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 | 11.40% | 11.17% | 11.13% | 11.89% | 12.60% | 12.76% | 12.24% | 12.54% | +65 bps | |
| Equity / Assets | 15.33% | 15.19% | 15.47% | 15.82% | 16.70% | 17.10% | 16.77% | 17.17% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.55% | 99.16% | 102.20% | 97.92% | 102.05% | 105.83% | 111.02% | 113.29% | +1,537 bps | |
| Liquid Assets / Assets | 0.00% | 1.82% | 1.82% | 1.49% | 1.55% | 0.39% | 0.38% | 0.00% | -149 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |