Riceville, IA · Cert 4498
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Riceville, IA · Cert 4498
FDIC
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.61% | 1.43% | 1.51% | 1.50% | 1.53% | 1.36% | 1.43% | -8 bps | |
| Return on Equity | 11.06% | 15.09% | 13.91% | 15.06% | 15.04% | 15.73% | 13.97% | 14.63% | -43 bps | |
| Net Interest Margin | 3.56% | 3.81% | 3.62% | 3.77% | 3.74% | 3.85% | 3.68% | 3.63% | -14 bps | |
| Efficiency Ratio | 66.58% | 57.74% | 61.86% | 60.30% | 60.51% | 59.17% | 63.32% | 61.69% | +139 bps | |
| Non-Interest Burden | 2.25% | 2.08% | 2.13% | 2.14% | 2.12% | 2.16% | 2.21% | 2.11% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.75% | 0.45% | 2.24% | 4.12% | 5.47% | 2.84% | 5.40% | 7.51% | +339 bps | |
| Loan Growth (YoY) | 6.39% | -0.07% | -6.53% | -7.41% | -4.54% | -9.47% | -2.38% | -0.01% | +740 bps | |
| Deposit Growth (YoY) | 4.74% | 4.40% | 5.04% | 3.42% | 8.75% | 4.80% | 3.53% | 10.00% | +659 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% | 0.31% | 0.15% | 0.11% | 0.10% | -0.08% | -0.04% | 0.08% | -3 bps | |
| Allowance / Loans | 1.33% | 1.33% | 1.46% | 1.45% | 1.39% | 1.57% | 1.59% | 1.46% | +1 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 | 13.76% | 12.38% | 13.01% | 12.93% | 12.46% | 13.64% | 13.46% | 13.22% | +28 bps | |
| Equity / Assets | 11.12% | 10.16% | 9.51% | 9.35% | 9.68% | 9.83% | 9.65% | 9.97% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.85% | 83.87% | 75.36% | 82.16% | 80.63% | 72.45% | 71.06% | 74.68% | -748 bps | |
| Liquid Assets / Assets | 0.23% | 0.21% | 0.22% | 0.21% | 0.21% | 0.05% | 0.53% | 0.51% | +31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |