Pella, IA · Cert 34600
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.87% | 0.89% | 0.85% | 1.09% | 0.97% | 0.72% | 0.82% | -3 bps | |
| Return on Equity | 10.46% | 9.52% | 10.07% | 9.95% | 13.40% | 11.95% | 8.68% | 9.77% | -18 bps | |
| Net Interest Margin | 4.24% | 3.90% | 3.91% | 4.02% | 4.43% | 4.13% | 3.13% | 3.09% | -93 bps | |
| Efficiency Ratio | 55.39% | 56.12% | 52.90% | 55.40% | 46.84% | 54.16% | 61.84% | 60.00% | +460 bps | |
| Non-Interest Burden | 2.23% | 2.00% | 1.88% | 2.05% | 1.91% | 2.10% | 1.81% | 1.71% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.88% | 10.88% | 3.84% | 14.71% | 9.36% | 5.60% | 3.02% | -7.29% | -2,200 bps | |
| Loan Growth (YoY) | 2.72% | 17.00% | 17.19% | 29.70% | 29.58% | 18.31% | 13.09% | 0.28% | -2,941 bps | |
| Deposit Growth (YoY) | 6.71% | 12.40% | 6.82% | 13.98% | 9.83% | -0.10% | -3.04% | -15.79% | -2,977 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 | 0.67% | 0.88% | 1.18% | 0.90% | 1.23% | 0.74% | 0.45% | 0.29% | -60 bps | |
| Allowance / Loans | 1.93% | 1.76% | 1.74% | 1.64% | 1.67% | 1.65% | 1.66% | 1.74% | +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 | 14.12% | 13.58% | 13.55% | 12.63% | 12.45% | 12.23% | 12.42% | 12.67% | +4 bps | |
| Equity / Assets | 9.71% | 8.65% | 8.98% | 8.20% | 8.13% | 8.17% | 8.36% | 8.48% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.41% | 63.81% | 65.02% | 67.59% | 71.27% | 75.57% | 75.83% | 80.50% | +1,290 bps | |
| Liquid Assets / Assets | 1.83% | 1.78% | 1.80% | 3.42% | 3.46% | 3.44% | 3.58% | 3.67% | +24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |