New Hampton, IA · Cert 15736
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
New Hampton, IA · Cert 15736
FDIC
Q4 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.11% | 0.01% | -0.13% | 1.13% | 1.22% | 1.21% | 1.09% | +123 bps | |
| Return on Equity | 13.02% | 1.47% | 0.17% | -1.76% | 14.56% | 15.41% | 15.05% | 13.58% | +1,534 bps | |
| Net Interest Margin | 2.84% | 2.83% | 2.78% | 2.75% | 3.03% | 3.06% | 3.13% | 3.16% | +40 bps | |
| Efficiency Ratio | 57.44% | 58.54% | 58.06% | 57.37% | 51.18% | 50.72% | 51.24% | 51.53% | -584 bps | |
| Non-Interest Burden | 1.51% | 1.54% | 1.48% | 1.45% | 1.40% | 1.39% | 1.47% | 1.49% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.98% | 0.99% | 2.65% | 1.61% | 1.61% | 2.31% | 1.78% | 2.28% | +67 bps | |
| Loan Growth (YoY) | -3.66% | -3.25% | -0.11% | -2.08% | -0.60% | -1.06% | -1.98% | -1.18% | +90 bps | |
| Deposit Growth (YoY) | 3.08% | 0.78% | 2.33% | 1.32% | 1.43% | 1.73% | 0.88% | 1.70% | +37 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 | 0.86% | 1.84% | 1.90% | 2.28% | 0.15% | 0.17% | 0.24% | 0.32% | -196 bps | |
| Allowance / Loans | 1.13% | 1.16% | 1.26% | 1.20% | 1.23% | 1.33% | 1.33% | 1.33% | +13 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 | 11.08% | 11.07% | 11.17% | 11.10% | 11.72% | 12.41% | 12.60% | 12.52% | +142 bps | |
| Equity / Assets | 7.68% | 7.50% | 7.84% | 7.56% | 7.94% | 8.21% | 8.59% | 7.96% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.88% | 74.89% | 74.96% | 71.15% | 74.35% | 72.84% | 72.83% | 69.14% | -201 bps | |
| Liquid Assets / Assets | 4.38% | 4.23% | 5.53% | 6.76% | 6.32% | 6.35% | 6.78% | 5.96% | -80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |