Glenwood, IA · Cert 212
FDIC
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.91% | 0.75% | 0.72% | 0.56% | 0.78% | 0.88% | 0.99% | +26 bps | |
| Return on Equity | 10.17% | 10.88% | 8.81% | 8.41% | 6.10% | 8.50% | 9.42% | 10.33% | +192 bps | |
| Net Interest Margin | 4.12% | 4.01% | 4.10% | 3.94% | 3.98% | 3.93% | 3.98% | 3.99% | +5 bps | |
| Efficiency Ratio | 83.68% | 82.92% | 84.68% | 85.54% | 89.13% | 85.80% | 84.02% | 82.41% | -313 bps | |
| Non-Interest Burden | 3.22% | 3.07% | 3.23% | 3.15% | 3.38% | 3.12% | 3.05% | 2.98% | -17 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% | 0.34% | 0.23% | 0.19% | 0.00% | 0.00% | 0.05% | 0.05% | -14 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 |