Burlington, IA · Cert 28495
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 | 0.35% | 1.43% | 0.87% | 0.64% | 0.76% | 0.81% | 0.64% | 1.16% | +52 bps | |
| Return on Equity | n/a | 12.82% | 7.77% | 5.66% | 6.71% | 7.10% | 5.60% | 10.32% | +466 bps | |
| Net Interest Margin | 3.56% | 3.59% | 3.45% | 3.21% | 3.87% | 3.94% | 3.15% | 3.38% | +17 bps | |
| Efficiency Ratio | 78.17% | 51.09% | 51.51% | 59.23% | 50.03% | 57.49% | 61.21% | 47.80% | -1,143 bps | |
| Non-Interest Burden | 2.78% | 1.63% | 1.63% | 1.77% | 1.80% | 2.12% | 1.82% | 1.38% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.13% | 1.88% | 0.72% | -2.37% | -3.56% | -2.18% | -2.35% | 1.17% | +354 bps | |
| Loan Growth (YoY) | -0.39% | 2.79% | 1.20% | 5.84% | 2.16% | -0.35% | -2.19% | -1.76% | -761 bps | |
| Deposit Growth (YoY) | -1.27% | -4.32% | -5.28% | 2.00% | 0.61% | 1.67% | 10.41% | 11.66% | +966 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 | 0.27% | 0.17% | 0.67% | 1.11% | 1.13% | 0.60% | 0.38% | 0.29% | -82 bps | |
| Allowance / Loans | 0.93% | 0.93% | 0.94% | 0.88% | 0.96% | 1.00% | 1.07% | 1.05% | +18 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 | 13.61% | 14.34% | 14.37% | 13.76% | 14.22% | 14.22% | 14.22% | 13.70% | -6 bps | |
| Equity / Assets | 11.09% | 11.17% | 11.32% | 11.13% | 11.39% | 11.44% | 11.40% | 11.00% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.85% | 121.83% | 125.29% | 121.61% | 116.62% | 119.41% | 110.99% | 106.99% | -1,462 bps | |
| Liquid Assets / Assets | 2.17% | 1.19% | 1.00% | 0.96% | 0.98% | 0.94% | 0.89% | 0.86% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |