Postville, IA · Cert 213
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Postville, IA · Cert 213
FDIC
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.27% | 1.28% | 0.81% | 0.37% | 0.63% | 0.42% | 0.37% | -44 bps | |
| Return on Equity | 10.71% | 10.76% | 10.68% | 6.73% | 3.06% | 4.97% | 3.29% | 2.87% | -386 bps | |
| Net Interest Margin | 3.06% | 3.12% | 3.17% | 3.05% | 2.05% | 1.34% | 1.77% | 2.26% | -79 bps | |
| Efficiency Ratio | 44.40% | 43.86% | 43.49% | 62.08% | 70.36% | 44.17% | 72.93% | 70.40% | +832 bps | |
| Non-Interest Burden | 1.29% | 1.31% | 1.32% | 1.86% | 1.40% | 0.56% | 1.29% | 1.61% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.85% | -2.96% | -1.82% | 0.17% | 2.54% | 12.29% | 15.53% | 8.46% | +829 bps | |
| Loan Growth (YoY) | -2.79% | -4.71% | -4.50% | -2.55% | -0.50% | 3.91% | 5.54% | 11.52% | +1,407 bps | |
| Deposit Growth (YoY) | -5.78% | -3.70% | -2.57% | -0.59% | 2.38% | 5.56% | 3.52% | 6.86% | +744 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 | -0.14% | -0.01% | -0.04% | 0.15% | -0.11% | -0.02% | 0.06% | -0.01% | -16 bps | |
| Allowance / Loans | 1.49% | 1.44% | 1.45% | 1.53% | 1.54% | 1.44% | 1.35% | 1.39% | -15 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 | 22.88% | 22.93% | 23.54% | 23.75% | 24.22% | 17.11% | 17.86% | 19.66% | -409 bps | |
| Equity / Assets | 11.92% | 12.06% | 12.71% | 12.20% | 12.21% | 13.78% | 13.15% | 13.27% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.07% | 49.13% | 51.39% | 47.32% | 47.69% | 48.36% | 52.39% | 49.39% | +206 bps | |
| Liquid Assets / Assets | 48.07% | 52.78% | 47.95% | 41.85% | 39.98% | 9.36% | 9.51% | 7.72% | -3,413 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |