Red Oak, IA · Cert 4456
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Red Oak, IA · Cert 4456
FDIC
Q4 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.23% | 1.28% | 1.34% | 1.23% | 1.12% | 1.30% | 1.42% | +9 bps | |
| Return on Equity | 17.19% | 16.45% | 16.87% | 17.39% | 15.45% | 14.05% | 16.05% | 17.55% | +16 bps | |
| Net Interest Margin | 3.39% | 3.46% | 3.56% | 3.60% | 3.56% | 3.52% | 3.68% | 3.65% | +5 bps | |
| Efficiency Ratio | 62.61% | 64.16% | 63.10% | 61.62% | 63.70% | 62.84% | 60.58% | 58.67% | -295 bps | |
| Non-Interest Burden | 1.75% | 1.92% | 1.96% | 1.92% | 1.98% | 1.92% | 1.91% | 1.81% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.54% | 6.74% | 0.60% | 2.27% | 0.56% | -2.31% | -0.45% | 2.28% | +1 bps | |
| Loan Growth (YoY) | 6.91% | 6.58% | 4.34% | 2.49% | -3.51% | -2.45% | -2.37% | -8.30% | -1,079 bps | |
| Deposit Growth (YoY) | 7.16% | 9.27% | 0.89% | 3.92% | 0.63% | -2.21% | 0.21% | 3.74% | -18 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 | 0.08% | 0.29% | 0.20% | 0.30% | 0.24% | 0.52% | 0.36% | 0.56% | +26 bps | |
| Allowance / Loans | 0.90% | 0.86% | 0.94% | 0.84% | 0.94% | 0.95% | 1.05% | 0.90% | +6 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 | 10.82% | 10.93% | 11.03% | 10.80% | 11.88% | 11.55% | 11.90% | 11.94% | +114 bps | |
| Equity / Assets | 7.39% | 7.41% | 7.97% | 8.08% | 7.87% | 8.05% | 8.50% | 8.04% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.52% | 79.43% | 83.05% | 84.72% | 76.25% | 79.23% | 80.91% | 74.88% | -984 bps | |
| Liquid Assets / Assets | 3.03% | 0.03% | 0.06% | 0.07% | 0.02% | 0.23% | 0.12% | 0.04% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |