Guttenberg, IA · Cert 34224
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.91% | 0.90% | 0.91% | 0.87% | 0.91% | 0.91% | 0.96% | +5 bps | |
| Return on Equity | 11.18% | 11.76% | 11.58% | 11.59% | 11.23% | 12.03% | 12.30% | 13.19% | +160 bps | |
| Net Interest Margin | 2.88% | 2.86% | 2.86% | 2.80% | 2.81% | 2.82% | 2.89% | 2.84% | +4 bps | |
| Efficiency Ratio | 56.33% | 54.66% | 55.74% | 54.40% | 55.78% | 56.41% | 54.55% | 54.30% | -10 bps | |
| Non-Interest Burden | 1.49% | 1.40% | 1.43% | 1.33% | 1.40% | 1.35% | 1.40% | 1.29% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.66% | 6.09% | 10.81% | 9.61% | 11.07% | 10.47% | 11.47% | 11.46% | +184 bps | |
| Loan Growth (YoY) | 20.48% | 15.27% | 19.64% | 17.07% | 12.36% | 20.56% | 16.45% | 9.12% | -796 bps | |
| Deposit Growth (YoY) | 0.58% | 2.42% | 6.34% | 4.04% | 8.69% | 7.69% | 11.10% | 14.13% | +1,009 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% | -0.02% | 0.18% | -0.02% | -0.10% | 0.00% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 0.77% | 0.80% | 0.73% | 0.72% | 0.72% | 0.70% | 0.71% | 0.74% | +2 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 | 12.45% | 12.88% | 13.01% | 12.81% | 12.11% | 11.64% | 11.52% | 11.72% | -108 bps | |
| Equity / Assets | 7.67% | 7.82% | 7.80% | 7.91% | 7.59% | 7.50% | 7.30% | 7.21% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.16% | 95.93% | 99.06% | 103.79% | 103.55% | 107.40% | 103.83% | 99.22% | -456 bps | |
| Liquid Assets / Assets | 1.69% | 2.34% | 1.85% | 1.16% | 0.96% | 0.94% | 0.89% | 0.82% | -34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |