Sheldon, IA · Cert 8102
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Sheldon, IA · Cert 8102
FDIC
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.29% | 1.25% | 0.95% | 0.97% | 1.07% | 0.91% | 0.96% | +1 bps | |
| Return on Equity | 10.73% | 10.66% | 10.29% | 7.31% | 7.42% | 8.01% | 7.18% | 9.13% | +183 bps | |
| Net Interest Margin | 3.39% | 3.40% | 3.36% | 3.24% | 3.25% | 3.21% | 3.16% | 2.90% | -34 bps | |
| Efficiency Ratio | 52.35% | 52.32% | 52.24% | 57.50% | 57.77% | 55.94% | 60.78% | 60.04% | +253 bps | |
| Non-Interest Burden | 1.58% | 1.57% | 1.58% | 1.84% | 1.80% | 1.64% | 1.81% | 1.48% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.39% | -2.38% | 4.51% | -3.31% | 1.14% | -5.76% | -0.97% | 0.16% | +347 bps | |
| Loan Growth (YoY) | 4.47% | 3.66% | 10.30% | 0.05% | 3.76% | -3.66% | 0.75% | 2.32% | +226 bps | |
| Deposit Growth (YoY) | -9.17% | -9.13% | 1.55% | 1.14% | 2.96% | 1.65% | 0.67% | 0.81% | -33 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% | 0.01% | 0.01% | 0.00% | 0.00% | 0.12% | 0.15% | 0.00% | 0 bps | |
| Allowance / Loans | 2.06% | 2.04% | 1.96% | 2.08% | 1.98% | 2.03% | 1.79% | 1.87% | -22 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 | 13.45% | 13.80% | 13.62% | 14.92% | 14.64% | 16.07% | 10.96% | 11.77% | -316 bps | |
| Equity / Assets | 12.42% | 12.56% | 12.45% | 13.59% | 13.35% | 14.38% | 10.10% | 10.97% | -262 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 116.58% | 119.61% | 116.47% | 112.30% | 117.49% | 113.36% | 116.56% | 113.98% | +168 bps | |
| Liquid Assets / Assets | 1.53% | 1.57% | 1.51% | 1.61% | 1.88% | 1.96% | 1.81% | 1.91% | +30 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |