Decorah, IA · Cert 34135
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Decorah, IA · Cert 34135
FDIC
Q4 2011
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 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.16% | 2.18% | 2.29% | 2.12% | 2.07% | 2.14% | 2.14% | 2.27% | +15 bps | |
| Return on Equity | 22.48% | 22.02% | 22.86% | 21.19% | 20.77% | 21.29% | 20.97% | 21.79% | +60 bps | |
| Net Interest Margin | 4.12% | 4.27% | 4.24% | 4.02% | 3.75% | 3.73% | 3.77% | 3.80% | -22 bps | |
| Efficiency Ratio | 43.52% | 42.16% | 42.32% | 42.82% | 46.23% | 44.94% | 44.82% | 43.19% | +37 bps | |
| Non-Interest Burden | 1.62% | 1.61% | 1.57% | 1.49% | 1.56% | 1.50% | 1.50% | 1.43% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.20% | 1.80% | 3.61% | 3.50% | 11.24% | 14.01% | 8.57% | 5.36% | +186 bps | |
| Loan Growth (YoY) | 0.43% | -1.03% | -0.25% | -0.24% | -2.19% | -1.63% | 0.50% | 2.07% | +231 bps | |
| Deposit Growth (YoY) | 7.00% | 12.41% | 11.05% | 8.71% | 11.46% | 14.60% | 8.40% | 4.04% | -468 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 | 0.00% | -0.01% | 0.05% | 0.10% | 0.00% | 0.00% | 0.04% | -0.09% | -19 bps | |
| Allowance / Loans | 1.26% | 1.40% | 1.36% | 1.59% | 1.56% | 1.57% | 1.55% | 1.69% | +10 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 | 12.90% | 13.30% | 13.67% | 13.86% | 13.88% | 14.06% | 14.32% | 14.91% | +105 bps | |
| Equity / Assets | 10.03% | 10.52% | 10.37% | 9.93% | 10.00% | 10.27% | 10.66% | 11.16% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.32% | 97.56% | 90.45% | 84.75% | 83.65% | 83.75% | 83.86% | 83.15% | -160 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |