Postville, IA · Cert 213
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.30% | 1.30% | -0.60% | 0.37% | 0.89% | 0.02%1 | 0.21% | +82 bps | |
| Return on Equity | 10.71% | 10.81% | 10.53% | -4.82% | 3.06% | 6.83% | 0.17% | 1.63% | +645 bps | |
| Net Interest Margin | 3.06% | 3.25% | 3.23% | 2.62% | 2.05% | 0.71% | 2.64% | 3.00% | +38 bps | |
| Efficiency Ratio | 44.40% | 43.36% | 42.77% | 129.66% | 70.36% | -33.93% | 101.56% | 65.32% | -6,434 bps | |
| Non-Interest Burden | 1.29% | 1.34% | 1.35% | 3.43% | 1.40% | -0.23% | 2.76% | 2.02% | -141 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% | 0.12% | -0.09% | 0.72% | -0.11% | 0.06% | 0.22% | -0.21% | -93 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 |