Ames, IA · Cert 57115
FDIC
Q4 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.72% | 0.74% | 0.35% | 0.39% | 0.54% | 0.40% | 0.30% | -5 bps | |
| Return on Equity | 9.03% | 9.00% | 9.17% | 4.27% | 4.56% | 6.26% | 4.53% | 3.37% | -90 bps | |
| Net Interest Margin | 2.57% | 2.72% | 2.65% | 2.67% | 2.62% | 2.78% | 2.93% | 2.83% | +16 bps | |
| Efficiency Ratio | 73.72% | 71.92% | 71.96% | 69.99% | 84.05% | 78.64% | 80.18% | 81.61% | +1,161 bps | |
| Non-Interest Burden | 1.78% | 1.82% | 1.77% | 1.71% | 2.12% | 2.05% | 2.23% | 2.21% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.55% | 5.06% | -1.58% | -4.79% | 0.82% | -4.43% | -2.33% | -1.46% | +332 bps | |
| Loan Growth (YoY) | 12.38% | 9.71% | 6.77% | 5.31% | 0.33% | -2.84% | -5.40% | -5.46% | -1,076 bps | |
| Deposit Growth (YoY) | 10.96% | 4.96% | -12.29% | -12.01% | 5.62% | -2.94% | 9.11% | 5.69% | +1,770 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% | 0.03% | 3.12% | 1.75% | 1.22% | 1.01% | +98 bps | |
| Allowance / Loans | 1.35% | 1.38% | 1.37% | 1.93% | 1.24% | 1.26% | 1.38% | 1.42% | -50 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 | 10.28% | 10.50% | 10.30% | 10.23% | 10.56% | 10.89% | 11.02% | 11.04% | +80 bps | |
| Equity / Assets | 8.17% | 8.25% | 8.33% | 8.38% | 8.71% | 9.06% | 8.90% | 8.85% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 119.87% | 120.31% | 129.84% | 122.19% | 113.87% | 120.43% | 112.57% | 109.30% | -1,289 bps | |
| Liquid Assets / Assets | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |