Cresco, IA · Cert 34223
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Cresco, IA · Cert 34223
FDIC
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.47% | 0.55% | 0.61% | 0.65% | 0.60% | 0.66% | 0.68% | +7 bps | |
| Return on Equity | 4.91% | 3.89% | 4.64% | 5.19% | 5.48% | 5.11% | 5.53% | 5.66% | +47 bps | |
| Net Interest Margin | 3.05% | 3.00% | 2.98% | 2.97% | 3.13% | 3.08% | 3.07% | 3.08% | +11 bps | |
| Efficiency Ratio | 72.35% | 78.40% | 75.60% | 73.23% | 72.16% | 72.95% | 71.57% | 71.03% | -220 bps | |
| Non-Interest Burden | 2.15% | 2.33% | 2.19% | 2.10% | 2.17% | 2.18% | 2.10% | 2.08% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.97% | 11.30% | 10.40% | 8.36% | 5.92% | 3.99% | -0.76% | -0.38% | -874 bps | |
| Loan Growth (YoY) | 6.67% | 7.72% | 12.31% | 12.67% | 12.07% | 9.42% | 2.49% | -1.78% | -1,444 bps | |
| Deposit Growth (YoY) | 16.17% | 17.03% | 6.13% | 5.90% | 3.81% | 9.02% | 7.04% | 6.77% | +87 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 | 0.09% | 0.27% | 0.11% | 0.09% | 0.07% | 0.52% | 0.55% | 0.42% | +33 bps | |
| Allowance / Loans | 1.05% | 0.94% | 0.89% | 0.85% | 0.87% | 0.72% | 0.58% | 0.55% | -30 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 | 11.49% | 10.87% | 10.34% | 10.42% | 10.61% | 10.35% | 10.49% | 10.88% | +46 bps | |
| Equity / Assets | 12.27% | 11.92% | 11.37% | 11.66% | 11.80% | 11.85% | 12.01% | 12.26% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.54% | 91.48% | 96.26% | 96.71% | 95.58% | 91.82% | 92.17% | 88.97% | -774 bps | |
| Liquid Assets / Assets | 0.05% | 0.08% | 0.01% | 0.02% | 0.10% | 0.06% | 0.02% | 0.04% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |