Waverly, IA · Cert 8103
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Waverly, IA · Cert 8103
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 1.41% | 1.27% | 1.43% | 1.34% | 0.00% | 0.60% | 0.71% | -72 bps | |
| Return on Equity | 10.11% | 9.49% | 8.35% | 9.17% | 8.44% | 0.00% | 4.55% | 5.27% | -391 bps | |
| Net Interest Margin | 4.22% | 4.06% | 3.93% | 3.79% | 3.78% | 0.02% | 2.76% | 2.87% | -91 bps | |
| Efficiency Ratio | 65.10% | 64.98% | 62.37% | 63.18% | 65.06% | 86.67% | 77.96% | 75.40% | +1,222 bps | |
| Non-Interest Burden | 2.57% | 2.47% | 2.24% | 2.22% | 2.29% | 0.02% | 2.10% | 2.10% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.29% | 3.26% | 2.30% | 6.55% | 6.77% | 4.62% | 2.53% | -0.14% | -670 bps | |
| Loan Growth (YoY) | -6.41% | -3.78% | -2.39% | -9.04% | -10.55% | -16.98% | -12.81% | -4.17% | +487 bps | |
| Deposit Growth (YoY) | 1.87% | 1.27% | 1.53% | 5.20% | 6.39% | 8.76% | 4.26% | 1.58% | -362 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 | 0.76% | 1.13% | 0.11% | 0.17% | 0.19% | 0.00% | 0.00% | 0.00% | -17 bps | |
| Allowance / Loans | 1.44% | 1.42% | 1.69% | 1.89% | 1.91% | 0.00% | 0.02% | 0.05% | -184 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 | 26.47% | 25.79% | 26.82% | 28.04% | 28.11% | 16.67% | 16.43% | 15.44% | -1,260 bps | |
| Equity / Assets | 15.86% | 15.26% | 15.24% | 16.21% | 16.83% | 13.07% | 13.19% | 14.27% | -195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.88% | 51.42% | 46.72% | 43.14% | 43.62% | 39.25% | 39.06% | 40.70% | -244 bps | |
| Liquid Assets / Assets | 0.80% | 2.24% | 0.87% | 0.44% | 0.84% | 2.77% | 1.73% | 0.26% | -18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |