PackageTrendsPeer
Letter portraitLegal landscape

Midwestone Bank

Burlington, IA · Cert 28495

FDIC

Q4 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Midwestone Bank

Burlington, IA · Cert 28495

FDIC

Q4 2005

$181.3MAssets
$128.9MLoans
$120.5MDeposits
$19.9MEquity
Loan mix
80%RE $68.8M20%C&I $17.6M0%Consumer $0.1MQ4 2004Q4 2005
Deposit mix
95%Interest-bearing $114.8M5%Noninterest $5.7MQ4 2004Q4 2005

NIM

6.11%Q1 ’046.08%Q4 ’046.14%Q4 ’05-2%+1%

Non-interest income vs. expense

3.11%Q1 ’042.45%Q4 ’042.22%Q4 ’05-29%-12%

Executive Summary

  • Earnings: ROA of 0.84%, up 2 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.60%.
  • Funding: loans stand at 106.99% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

0.84%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+2 bps YoY

Efficiency Ratio (YTD, annualized)

53.93%-599 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.82%0.76%0.78%0.73%0.84%+2 bps
Return on Equityn/a6.71%6.89%6.47%7.43%n/a
Net Interest Margin3.50%3.87%3.96%3.67%3.52%+2 bps
Efficiency Ratio59.92%50.03%53.77%55.95%53.93%-599 bps
Non-Interest Burden1.99%1.80%1.99%1.92%1.75%-24 bps
Growth
Asset Growth (YoY)-2.37%-3.56%-2.18%-2.35%1.17%+354 bps
Loan Growth (YoY)5.84%2.16%-0.35%-2.19%-1.76%-761 bps
Deposit Growth (YoY)2.00%0.61%1.67%10.41%11.66%+966 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.55%1.13%0.87%0.72%0.60%+5 bps
Allowance / Loans0.88%0.96%1.00%1.07%1.05%+18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.76%14.22%14.22%14.22%13.70%-6 bps
Equity / Assets11.13%11.39%11.44%11.40%11.00%-13 bps
Liquidity & Funding
Loans / Deposits121.61%116.62%119.41%110.99%106.99%-1,462 bps
Liquid Assets / Assets0.96%0.98%0.94%0.89%0.86%-11 bps
CRE / Total Capitaln/an/an/an/an/an/an/a