New Hampton, IA · Cert 4481
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | -0.12% | -0.38% | 0.49% | 0.66% | 0.18% | -0.68% | 0.89% | +41 bps | |
| Return on Equity | 0.80% | -1.30% | -3.90% | 5.01% | 6.51% | 1.65% | -7.14% | 12.41% | +740 bps | |
| Net Interest Margin | 2.97% | 2.81% | 2.77% | 2.99% | 3.09% | 3.05% | 3.12% | 3.19% | +20 bps | |
| Efficiency Ratio | 97.45% | 103.34% | 110.23% | 85.89% | 80.53% | 94.47% | 95.65% | 73.74% | -1,215 bps | |
| Non-Interest Burden | 2.88% | 2.92% | 3.11% | 2.50% | 2.39% | 2.86% | 2.96% | 2.25% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.44% | -4.09% | -5.76% | -5.91% | -7.97% | -4.31% | -10.71% | -7.06% | -115 bps | |
| Loan Growth (YoY) | 0.19% | -1.39% | -7.14% | -7.43% | -7.22% | -10.61% | -8.07% | 15.53% | +2,296 bps | |
| Deposit Growth (YoY) | 5.51% | -2.43% | -6.52% | -7.07% | -9.35% | -5.43% | -9.22% | -3.22% | +384 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 | -0.04% | 0.32% | -0.01% | 0.00% | 0.35% | -0.01% | -0.05% | 0.17% | +17 bps | |
| Allowance / Loans | 1.21% | 1.15% | 1.18% | 1.18% | 1.14% | 1.20% | 1.21% | 0.92% | -26 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 | 14.47% | 14.62% | 14.59% | 14.71% | 15.53% | 16.12% | 12.18% | 8.29% | -642 bps | |
| Equity / Assets | 9.32% | 9.65% | 9.61% | 9.76% | 10.62% | 10.71% | 8.18% | 6.20% | -356 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.73% | 82.81% | 80.18% | 81.01% | 82.63% | 78.27% | 81.19% | 96.71% | +1,570 bps | |
| Liquid Assets / Assets | 0.05% | 0.05% | 0.05% | 0.06% | 0.07% | 0.07% | 0.00% | 0.00% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |