Robins, IA · Cert 34484
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Robins, IA · Cert 34484
FDIC
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.69% | 0.50% | 0.16% | 0.14% | -0.31% | -0.27% | -0.19% | -35 bps | |
| Return on Equity | 8.88% | 7.96% | 5.93% | 2.06% | 1.61% | -3.48% | -2.94% | -2.00% | -406 bps | |
| Net Interest Margin | 2.89% | 2.79% | 2.77% | 2.78% | 2.60% | 2.75% | 2.92% | 2.73% | -4 bps | |
| Efficiency Ratio | 75.22% | 76.51% | 81.87% | 89.53% | 85.17% | 82.67% | 83.01% | 102.17% | +1,263 bps | |
| Non-Interest Burden | 1.99% | 1.96% | 2.16% | 2.45% | 2.14% | 2.20% | 2.35% | 2.80% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.04% | 22.95% | 16.76% | 21.64% | 18.42% | 5.22% | 4.56% | -2.69% | -2,432 bps | |
| Loan Growth (YoY) | 29.94% | 29.29% | 32.49% | 25.56% | 19.46% | 5.90% | 1.98% | -6.98% | -3,253 bps | |
| Deposit Growth (YoY) | 31.33% | 20.46% | 18.45% | 25.21% | 17.48% | 7.90% | 0.83% | -4.52% | -2,974 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 | 0.24% | 0.15% | 0.11% | -0.01% | 0.32% | 1.52% | 1.19% | 0.01% | +2 bps | |
| Allowance / Loans | 0.99% | 1.04% | 1.01% | 1.08% | 1.04% | 0.95% | 1.11% | 1.28% | +20 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 | 12.86% | 12.22% | 11.64% | 11.64% | 15.12% | 15.34% | 14.89% | 15.71% | +407 bps | |
| Equity / Assets | 8.88% | 8.10% | 7.85% | 7.65% | 9.61% | 10.22% | 9.82% | 9.70% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.82% | 77.97% | 76.81% | 71.46% | 76.08% | 76.52% | 77.68% | 69.63% | -184 bps | |
| Liquid Assets / Assets | 3.42% | 2.31% | 1.91% | 2.40% | 1.41% | 1.27% | 0.95% | 0.57% | -183 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |