Schleswig, IA · Cert 5801
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.
Schleswig, IA · Cert 5801
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 | 1.00% | 1.09% | 1.06% | 1.17% | 1.24% | 1.33% | 1.28% | 1.37% | +19 bps | |
| Return on Equity | 10.33% | 11.53% | 11.43% | 12.62% | 13.40% | 14.15% | 13.63% | 14.48% | +186 bps | |
| Net Interest Margin | 2.85% | 2.80% | 2.83% | 2.84% | 2.98% | 2.97% | 3.04% | 3.00% | +16 bps | |
| Efficiency Ratio | 63.12% | 60.43% | 60.67% | 57.60% | 55.71% | 54.28% | 54.91% | 53.56% | -405 bps | |
| Non-Interest Burden | 1.70% | 1.58% | 1.61% | 1.52% | 1.55% | 1.50% | 1.55% | 1.47% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.95% | -7.88% | -5.82% | 4.23% | 4.71% | 2.75% | 4.28% | 2.51% | -172 bps | |
| Loan Growth (YoY) | 6.12% | 5.58% | 2.62% | 3.95% | 3.06% | 2.49% | 2.84% | -2.14% | -609 bps | |
| Deposit Growth (YoY) | -13.03% | -11.94% | -8.29% | 9.50% | 6.64% | 3.03% | 5.22% | 3.49% | -601 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 | 0.01% | 0.09% | 0.07% | 0.07% | 0.00% | 0.00% | 0.15% | 0.12% | +5 bps | |
| Allowance / Loans | 0.78% | 0.76% | 0.78% | 0.77% | 0.82% | 0.84% | 0.81% | 0.87% | +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 | 11.26% | 10.65% | 10.47% | 10.81% | 11.75% | 11.72% | 11.30% | 12.22% | +141 bps | |
| Equity / Assets | 9.47% | 9.08% | 8.88% | 9.23% | 9.31% | 9.77% | 9.26% | 9.63% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.97% | 92.21% | 88.62% | 91.62% | 86.95% | 91.73% | 86.61% | 86.64% | -498 bps | |
| Liquid Assets / Assets | 0.07% | 0.52% | 7.20% | 3.23% | 7.65% | 1.33% | 5.18% | 3.58% | +35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |