Ottumwa, IA · Cert 33921
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.
Ottumwa, IA · Cert 33921
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 | 1.59% | 1.13% | 1.29% | 1.32% | 1.53% | 1.46% | 1.41% | 1.31% | -1 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 13.92% | 13.56% | 13.14% | 12.35% | n/a | |
| Net Interest Margin | 5.08% | 4.75% | 4.81% | 4.76% | 5.20% | 5.07% | 4.80% | 4.46% | -30 bps | |
| Efficiency Ratio | 46.65% | 47.68% | 46.34% | 46.51% | 43.80% | 46.23% | 47.89% | 50.52% | +401 bps | |
| Non-Interest Burden | 2.08% | 1.96% | 1.90% | 1.88% | 1.97% | 2.02% | 1.98% | 1.96% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.48% | 0.37% | 1.54% | 1.39% | 0.72% | 6.73% | 2.85% | 7.89% | +650 bps | |
| Loan Growth (YoY) | 0.10% | 2.35% | -0.01% | 3.22% | 2.45% | 5.55% | 4.92% | 6.35% | +314 bps | |
| Deposit Growth (YoY) | 2.64% | 0.53% | 4.05% | 6.29% | 3.85% | 1.10% | 1.72% | 11.23% | +494 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 | 0.90% | 1.17% | 0.98% | 0.96% | 0.77% | 0.78% | 0.65% | 0.54% | -41 bps | |
| Allowance / Loans | 1.20% | 1.30% | 1.35% | 1.29% | 1.37% | 1.29% | 1.36% | 1.35% | +6 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 | 13.33% | 12.83% | 13.04% | 12.85% | 13.10% | 12.29% | 12.55% | 11.91% | -94 bps | |
| Equity / Assets | 11.42% | 10.87% | 11.09% | 10.89% | 11.09% | 10.30% | 10.80% | 10.04% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.49% | 105.95% | 107.25% | 104.88% | 105.05% | 110.61% | 110.62% | 100.28% | -460 bps | |
| Liquid Assets / Assets | 1.04% | 1.00% | 1.10% | 1.41% | 1.31% | 1.12% | 0.69% | 0.65% | -77 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |