Holstein, IA · Cert 25243
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Holstein, IA · Cert 25243
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -0.01% | 0.94% | 0.65% | -0.02% | 0.32% | 1.16% | 0.77% | +12 bps | |
| Return on Equity | -5.58% | -0.15% | 9.95% | 6.79% | -0.22% | 3.30% | 11.91% | 7.80% | +101 bps | |
| Net Interest Margin | 3.89% | 3.87% | 4.03% | 3.98% | 4.15% | 4.14% | 4.41% | 4.28% | +30 bps | |
| Efficiency Ratio | 80.19% | 77.12% | 76.11% | 68.18% | 69.56% | 69.66% | 76.59% | 74.21% | +604 bps | |
| Non-Interest Burden | 2.99% | 2.78% | 2.88% | 2.29% | 2.50% | 2.49% | 3.20% | 2.89% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.64% | 3.81% | -6.83% | 1.27% | -2.27% | 0.36% | 0.96% | -1.66% | -292 bps | |
| Loan Growth (YoY) | -6.30% | -9.71% | -7.33% | -3.83% | -2.39% | -0.27% | -4.26% | -7.73% | -390 bps | |
| Deposit Growth (YoY) | 6.11% | 7.04% | -8.40% | -1.33% | -1.05% | 0.85% | 3.49% | 1.58% | +291 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 | 1.71% | 1.31% | 0.71% | 1.07% | 2.00% | 1.63% | 0.66% | 1.16% | +9 bps | |
| Allowance / Loans | 1.78% | 1.84% | 1.75% | 1.98% | 2.03% | 1.92% | 1.88% | 1.92% | -7 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 | 12.86% | 13.00% | 13.70% | 13.54% | 13.45% | 13.58% | 14.80% | 14.99% | +145 bps | |
| Equity / Assets | 9.07% | 9.24% | 9.66% | 9.72% | 9.87% | 9.56% | 9.85% | 10.18% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.21% | 95.48% | 93.92% | 94.61% | 93.92% | 94.42% | 86.89% | 85.95% | -867 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.71% | 0.72% | 2.41% | +241 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |