Altoona, IA · Cert 33927
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Altoona, IA · Cert 33927
FDIC
Q4 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | -1.27% | -1.00% | -0.96% | -2.19% | -2.50% | -3.35% | -2.25% | -129 bps | |
| Return on Equity | -4.00% | -15.27% | -11.95% | -11.30% | -25.73% | -29.19% | -39.03% | -26.12% | -1,482 bps | |
| Net Interest Margin | 2.60% | 2.45% | 2.65% | 3.01% | 2.69% | 2.74% | 2.96% | 3.04% | +3 bps | |
| Efficiency Ratio | 80.44% | 87.87% | 88.22% | 86.02% | 90.21% | 87.47% | 85.33% | 79.12% | -690 bps | |
| Non-Interest Burden | 1.95% | 2.06% | 2.24% | 2.47% | 2.36% | 2.31% | 2.42% | 2.23% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.79% | 19.91% | -6.21% | -20.71% | -22.40% | -24.72% | -10.40% | -4.11% | +1,660 bps | |
| Loan Growth (YoY) | 6.88% | 1.98% | -22.49% | -24.66% | -28.35% | -28.67% | -9.47% | -12.20% | +1,245 bps | |
| Deposit Growth (YoY) | 26.14% | 20.98% | -7.95% | -24.39% | -24.26% | -27.88% | -7.26% | -0.58% | +2,381 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 | 0.99% | 1.30% | 1.47% | 1.90% | 0.70% | 3.80% | 2.91% | 3.56% | +166 bps | |
| Allowance / Loans | 1.20% | 1.67% | 1.89% | 1.69% | 2.57% | 2.22% | 4.12% | 3.18% | +149 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 | 13.53% | 13.25% | 13.45% | 13.60% | 13.52% | 13.70% | 13.88% | 14.55% | +95 bps | |
| Equity / Assets | 8.90% | 8.64% | 8.70% | 8.94% | 8.10% | 8.66% | 8.64% | 8.75% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.92% | 94.26% | 96.08% | 99.93% | 87.91% | 93.23% | 93.79% | 88.25% | -1,169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 9.26% | 5.40% | 13.15% | 7.27% | 8.99% | 14.96% | +956 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |