Boone, IA · Cert 35268
FDIC
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.98% | 1.03% | 1.11% | 0.37% | 0.56% | 0.60% | 0.45% | -65 bps | |
| Return on Equity | 12.98% | 13.34% | 13.73% | 14.69% | 4.47% | 6.74% | 7.04% | 5.12% | -957 bps | |
| Net Interest Margin | 2.35% | 2.42% | 2.42% | 2.53% | 2.42% | 2.64% | 2.80% | 2.85% | +32 bps | |
| Efficiency Ratio | 63.79% | 62.98% | 61.16% | 57.76% | 71.22% | 66.26% | 65.58% | 66.94% | +918 bps | |
| Non-Interest Burden | 1.40% | 1.42% | 1.36% | 1.34% | 1.62% | 1.60% | 1.71% | 1.78% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.79% | -6.77% | -17.90% | 3.48% | -1.55% | -8.81% | -7.76% | -16.34% | -1,982 bps | |
| Loan Growth (YoY) | -2.30% | -9.70% | -19.05% | -1.90% | -3.89% | -5.35% | -8.36% | -15.17% | -1,327 bps | |
| Deposit Growth (YoY) | -4.85% | -7.93% | -20.48% | 6.05% | -4.87% | -11.43% | -9.99% | -19.62% | -2,566 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 | -0.03% | -0.09% | -0.06% | -0.01% | 1.96% | 0.97% | 0.69% | 0.74% | +75 bps | |
| Allowance / Loans | 1.51% | 1.52% | 1.56% | 1.58% | 1.27% | 1.42% | 1.61% | 1.78% | +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 | 10.44% | 10.40% | 10.75% | 11.13% | 11.50% | 11.89% | 12.57% | 13.19% | +206 bps | |
| Equity / Assets | 7.60% | 7.11% | 7.84% | 7.74% | 8.66% | 8.65% | 9.32% | 9.97% | +223 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.58% | 101.24% | 107.18% | 95.94% | 104.65% | 108.19% | 109.12% | 101.25% | +531 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.03% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |