Mount Pleasant, IA · Cert 35334
FDIC
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.10% | 0.03%1 | 0.44% | 0.42% | 0.46% | 0.39% | 0.34% | 0.41% | -1 bps | |
| Return on Equity | -0.52% | 0.17% | 2.23% | 2.15% | 2.23% | 1.93% | 1.72% | 2.15% | 0 bps | |
| Net Interest Margin | 1.75% | 2.11% | 2.93% | 2.64% | 3.12% | 2.99% | 3.09% | 2.90% | +26 bps | |
| Efficiency Ratio | 115.71% | 107.64% | 82.22% | 86.71% | 83.76% | 85.52% | 84.04% | 80.10% | -660 bps | |
| Non-Interest Burden | 2.06% | 2.30% | 2.38% | 2.27% | 2.55% | 2.52% | 2.56% | 2.28% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.34% | 13.36% | 1.90% | -10.53% | -8.17% | 0.44% | 1.49% | 7.27% | +1,779 bps | |
| Loan Growth (YoY) | 66.40% | 115.69% | 77.37% | 61.19% | 47.65% | 15.96% | 8.26% | 2.84% | -5,834 bps | |
| Deposit Growth (YoY) | 13.07% | 17.46% | 1.89% | -12.79% | -9.20% | 0.39% | 2.03% | 8.49% | +2,128 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.33% | 0.27% | 0.27% | 0.27% | 0.27% | 0.27% | 0.29% | 0.30% | +4 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 | 42.55% | 35.11% | 33.30% | 31.72% | 34.38% | 31.95% | 31.73% | 30.74% | -98 bps | |
| Equity / Assets | 21.25% | 19.92% | 19.66% | 18.88% | 23.73% | 19.89% | 19.13% | 17.85% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.80% | 64.16% | 66.98% | 68.59% | 90.73% | 74.12% | 71.07% | 65.02% | -357 bps | |
| Liquid Assets / Assets | 17.61% | 0.86% | 0.00% | 0.00% | 6.03% | 11.00% | 6.55% | 1.51% | +151 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |