Holstein, IA · Cert 33993
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 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.
Holstein, IA · Cert 33993
FDIC
Q3 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.05% | 0.05% | 0.25% | 0.33% | 0.52% | 0.68% | -0.31% | -56 bps | |
| Return on Equity | 11.95% | 0.68% | 0.64% | 3.03% | 3.93% | 5.56% | 7.03% | -3.16% | -619 bps | |
| Net Interest Margin | 3.35% | 3.31% | 3.41% | 3.61% | 3.72% | 3.56% | 3.61% | 3.78% | +17 bps | |
| Efficiency Ratio | 36.42% | 46.89% | 47.33% | 43.14% | 44.03% | 50.81% | 50.83% | 50.61% | +748 bps | |
| Non-Interest Burden | 0.87% | 1.30% | 1.31% | 1.20% | 1.32% | 1.64% | 1.62% | 1.70% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.14% | 8.96% | 0.47% | -7.83% | -11.71% | -13.90% | -13.35% | -18.23% | -1,039 bps | |
| Loan Growth (YoY) | 8.89% | 1.60% | -7.72% | -8.85% | -14.37% | -17.88% | -20.15% | -20.54% | -1,169 bps | |
| Deposit Growth (YoY) | 14.51% | 12.27% | 2.07% | -8.93% | -14.41% | -15.10% | -11.75% | -16.63% | -769 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 | 0.44% | 3.69% | 2.83% | 2.40% | 2.10% | 0.73% | 1.42% | 1.99% | -41 bps | |
| Allowance / Loans | 1.56% | 1.25% | 1.52% | 1.73% | 1.91% | 2.22% | 2.17% | 2.01% | +28 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 | 10.14% | 10.45% | 10.84% | 11.17% | 11.53% | 12.70% | 14.01% | 13.75% | +258 bps | |
| Equity / Assets | 8.01% | 8.00% | 8.31% | 8.63% | 9.23% | 9.58% | 10.28% | 10.46% | +183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.20% | 112.83% | 114.26% | 113.61% | 117.26% | 109.14% | 103.38% | 108.28% | -533 bps | |
| Liquid Assets / Assets | 5.15% | 9.11% | 9.14% | 9.34% | 7.19% | 12.94% | 13.51% | 9.56% | +22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |