Clive, IA · Cert 35516
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Clive, IA · Cert 35516
FDIC
Q4 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.38% | 1.42% | 1.41% | 1.36% | 1.39% | 1.39% | 1.31% | -10 bps | |
| Return on Equity | 13.95% | 14.28% | 14.62% | 14.45% | 13.71% | 14.34% | 14.30% | 13.54% | -92 bps | |
| Net Interest Margin | 4.28% | 4.41% | 4.46% | 4.39% | 4.30% | 4.09% | 4.00% | 3.92% | -47 bps | |
| Efficiency Ratio | 56.52% | 53.94% | 53.54% | 54.23% | 57.90% | 56.90% | 56.78% | 58.23% | +400 bps | |
| Non-Interest Burden | 2.10% | 1.99% | 1.94% | 1.94% | 2.01% | 1.85% | 1.78% | 1.81% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.93% | 15.90% | 10.45% | -0.55% | 2.61% | 7.52% | 10.11% | 11.85% | +1,240 bps | |
| Loan Growth (YoY) | 20.24% | 18.65% | 10.94% | -1.28% | -0.10% | 4.05% | 9.87% | 12.20% | +1,349 bps | |
| Deposit Growth (YoY) | 12.45% | 14.99% | 16.05% | 5.78% | 6.37% | 6.67% | 5.13% | 5.01% | -77 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 | 0.17% | 0.12% | 0.31% | 0.23% | -0.10% | 0.06% | 0.07% | 0.12% | -11 bps | |
| Allowance / Loans | 1.49% | 1.49% | 1.44% | 1.48% | 1.55% | 1.43% | 1.43% | 1.38% | -9 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 | 10.67% | 10.71% | 11.23% | 11.41% | 11.58% | 11.12% | 11.14% | 11.16% | -25 bps | |
| Equity / Assets | 9.56% | 9.84% | 10.03% | 9.96% | 9.84% | 9.40% | 9.61% | 9.55% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.78% | 92.09% | 88.76% | 84.54% | 83.38% | 89.83% | 92.76% | 90.33% | +579 bps | |
| Liquid Assets / Assets | 0.13% | 0.03% | 0.01% | 0.00% | 0.00% | 0.04% | 0.00% | 0.89% | +89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |