Glenwood, IA · Cert 212
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.96% | 0.42% | 0.66% | 0.56% | 1.01% | 1.07% | 1.30% | +64 bps | |
| Return on Equity | 10.17% | 11.57% | 4.86% | 7.28% | 6.10% | 10.85% | 11.31% | 12.96% | +567 bps | |
| Net Interest Margin | 4.12% | 3.97% | 3.83% | 3.81% | 3.98% | 3.91% | 3.96% | 4.21% | +40 bps | |
| Efficiency Ratio | 83.68% | 82.19% | 88.54% | 88.17% | 89.13% | 82.79% | 80.41% | 77.69% | -1,048 bps | |
| Non-Interest Burden | 3.22% | 2.98% | 3.23% | 3.18% | 3.38% | 2.88% | 2.84% | 2.91% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.34% | -3.09% | -4.20% | -1.65% | -2.16% | -2.14% | 0.98% | -0.40% | +125 bps | |
| Loan Growth (YoY) | 5.03% | 2.30% | 4.10% | 5.69% | -0.98% | -6.00% | 0.90% | 0.97% | -472 bps | |
| Deposit Growth (YoY) | -0.77% | -5.87% | -2.29% | -0.44% | -0.16% | 2.27% | -5.08% | -0.62% | -19 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 | 0.02% | 0.67% | 0.00% | 0.08% | 0.00% | 0.00% | 0.14% | 0.06% | -2 bps | |
| Allowance / Loans | 1.69% | 1.49% | 1.47% | 1.44% | 1.51% | 1.56% | 1.40% | 1.37% | -6 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 | 16.64% | 16.46% | 16.43% | 16.59% | 17.30% | 18.15% | 17.22% | 18.06% | +148 bps | |
| Equity / Assets | 8.33% | 8.31% | 8.90% | 9.14% | 9.29% | 9.27% | 9.72% | 10.33% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.98% | 63.80% | 62.92% | 64.27% | 60.48% | 58.64% | 66.89% | 65.30% | +103 bps | |
| Liquid Assets / Assets | 10.84% | 10.21% | 9.79% | 9.96% | 9.66% | 10.25% | 9.50% | 8.64% | -132 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |