Waukee, IA · Cert 34185
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.62% | 0.67% | 0.73% | 0.65% | 0.75% | 0.61% | 0.74% | +1 bps | |
| Return on Equity | 6.94% | 6.87% | 7.46% | 7.86% | 6.79% | 7.78% | 6.44% | 7.67% | -19 bps | |
| Net Interest Margin | 3.07% | 3.20% | 3.24% | 3.07% | 3.09% | 2.97% | 3.07% | 3.12% | +5 bps | |
| Efficiency Ratio | 75.93% | 74.43% | 70.96% | 70.63% | 79.40% | 73.92% | 74.31% | 69.31% | -133 bps | |
| Non-Interest Burden | 2.17% | 2.25% | 2.15% | 1.96% | 2.40% | 2.02% | 2.13% | 1.96% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.67% | 11.81% | -1.68% | -0.25% | 3.41% | -3.15% | 2.53% | -1.58% | -133 bps | |
| Loan Growth (YoY) | -7.63% | -6.93% | -4.98% | -6.46% | -9.59% | -9.32% | -7.12% | -8.20% | -174 bps | |
| Deposit Growth (YoY) | 1.23% | 14.11% | 0.82% | 2.34% | 9.20% | -0.21% | 4.98% | 6.98% | +464 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% | 0.27% | 0.03% | 0.54% | 0.00% | 0.23% | -0.01% | -0.01% | -55 bps | |
| Allowance / Loans | 1.19% | 1.13% | 1.16% | 1.09% | 1.04% | 0.94% | 0.96% | 1.02% | -7 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 | 15.35% | 15.17% | 15.95% | 16.01% | 16.61% | 16.58% | 16.67% | 17.44% | +143 bps | |
| Equity / Assets | 9.36% | 8.79% | 9.13% | 9.46% | 9.56% | 9.61% | 9.45% | 9.88% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.29% | 86.47% | 85.84% | 83.34% | 79.72% | 78.58% | 75.94% | 71.51% | -1,183 bps | |
| Liquid Assets / Assets | 0.07% | 0.06% | 0.05% | 4.16% | 4.23% | 4.17% | 4.22% | 4.26% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |