Coralville, IA · Cert 58284
FDIC
Q3 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.77% | -0.19% | -0.24% | -0.29% | -0.39% | -2.59% | -1.33% | -2.57% | -228 bps | |
| Return on Equity | -7.51% | -1.95% | -2.53% | -3.04% | -4.24% | -32.82% | -16.75% | -32.70% | -2,965 bps | |
| Net Interest Margin | 2.12% | 2.74% | 2.70% | 2.81% | 2.78% | 2.87% | 3.12% | 3.57% | +75 bps | |
| Efficiency Ratio | 113.41% | 94.48% | 97.65% | 97.12% | 94.74% | 96.93% | 94.40% | 95.53% | -159 bps | |
| Non-Interest Burden | 2.41% | 2.58% | 2.63% | 2.73% | 2.63% | 2.78% | 2.96% | 3.41% | +68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 45.41% | 36.77% | 13.60% | 12.48% | 12.79% | 15.72% | 6.19% | -10.64% | -2,312 bps | |
| Loan Growth (YoY) | 50.78% | 35.40% | 10.42% | 14.27% | 7.99% | 9.21% | -2.86% | -17.71% | -3,198 bps | |
| Deposit Growth (YoY) | 49.22% | 44.24% | 19.55% | 21.44% | 21.95% | 26.30% | 14.20% | -6.05% | -2,749 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% | 0.13% | 0.26% | 0.27% | 0.76% | 0.39% | 2.80% | +254 bps | |
| Allowance / Loans | 1.16% | 1.29% | 1.26% | 1.18% | 1.41% | 2.07% | 2.34% | 2.48% | +131 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 | 13.05% | 13.11% | 12.37% | 11.45% | 11.22% | 10.53% | 11.50% | 10.80% | -65 bps | |
| Equity / Assets | 10.03% | 9.56% | 9.48% | 8.93% | 8.52% | 7.32% | 7.98% | 7.65% | -128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.66% | 103.15% | 106.26% | 105.72% | 99.75% | 89.19% | 90.39% | 92.60% | -1,312 bps | |
| Liquid Assets / Assets | 0.00% | 3.40% | 2.86% | 1.81% | 4.75% | 5.28% | 5.30% | 2.23% | +43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |