Cedar Rapids, IA · Cert 58028
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 | -4.81% | -3.74% | -3.12% | -3.19% | -2.37% | -1.61% | -1.43% | -2.17% | +102 bps | |
| Return on Equity | -49.18% | -39.97% | -33.45% | -34.54% | -19.80% | -12.19% | -10.15% | -15.12% | +1,942 bps | |
| Net Interest Margin | 1.99% | 2.26% | 2.27% | 2.33% | 1.98% | 2.06% | 2.07% | 2.02% | -31 bps | |
| Efficiency Ratio | 313% | 204% | 185.83% | 177.35% | 180.30% | 157.55% | 146.89% | 173.80% | -355 bps | |
| Non-Interest Burden | 6.78% | 4.90% | 4.44% | 4.34% | 3.75% | 3.40% | 3.16% | 3.69% | -65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.32% | 10.63% | -6.88% | -15.92% | 4.04% | -6.80% | 0.62% | 5.46% | +2,139 bps | |
| Loan Growth (YoY) | 27.66% | -5.65% | -13.70% | -14.43% | -3.04% | 8.79% | 4.63% | -7.16% | +728 bps | |
| Deposit Growth (YoY) | 25.66% | 9.54% | -7.82% | -21.87% | 1.82% | -14.66% | -4.40% | 2.57% | +2,443 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% | 1.62% | 1.31% | 1.42% | 1.08% | 0.49% | 1.07% | 0.99% | -43 bps | |
| Allowance / Loans | 1.49% | 1.72% | 1.92% | 2.38% | 2.19% | 2.09% | 1.86% | 2.50% | +12 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 | 12.06% | 12.77% | 12.83% | 11.99% | 11.59% | 11.23% | 12.08% | 11.75% | -25 bps | |
| Equity / Assets | 9.43% | 8.51% | 9.24% | 8.78% | 14.69% | 15.75% | 16.69% | 15.50% | +672 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.73% | 86.72% | 94.92% | 101.22% | 94.96% | 110.55% | 103.88% | 91.62% | -960 bps | |
| Liquid Assets / Assets | 0.01% | 0.15% | 0.32% | 0.29% | 3.35% | 0.32% | 0.13% | 0.22% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |