Holstein, IA · Cert 33993
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | 0.05% | 0.05% | 0.66% | 0.59% | 0.52% | 0.84% | -2.46% | -312 bps | |
| Return on Equity | -5.48% | 0.68% | 0.60% | 7.83% | 6.62% | 5.56% | 8.48% | -23.70% | -3,153 bps | |
| Net Interest Margin | 3.38% | 3.31% | 3.45% | 3.70% | 3.74% | 3.56% | 3.60% | 3.65% | -5 bps | |
| Efficiency Ratio | 38.10% | 46.89% | 47.74% | 35.09% | 46.90% | 50.81% | 50.86% | 50.15% | +1,506 bps | |
| Non-Interest Burden | 0.98% | 1.30% | 1.29% | 0.87% | 1.58% | 1.64% | 1.58% | 1.63% | +77 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 | 0.94% | 3.69% | 1.75% | 1.40% | 0.96% | 0.73% | 2.04% | 3.06% | +166 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 |