Wilton, IA · Cert 9302
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Wilton, IA · Cert 9302
FDIC
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.40% | 1.48% | 1.41% | 1.68% | 1.50% | 1.50% | 1.49% | +8 bps | |
| Return on Equity | 13.87% | 14.92% | 15.70% | 14.92% | 17.33% | 15.17% | 15.30% | 15.37% | +45 bps | |
| Net Interest Margin | 3.23% | 3.26% | 3.36% | 3.40% | 3.50% | 3.47% | 3.50% | 3.37% | -3 bps | |
| Efficiency Ratio | 59.94% | 58.85% | 57.77% | 60.08% | 55.33% | 57.66% | 57.25% | 57.75% | -234 bps | |
| Non-Interest Burden | 1.71% | 1.73% | 1.76% | 1.88% | 1.69% | 1.82% | 1.83% | 1.78% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.53% | 5.01% | 4.02% | -0.36% | 0.57% | 0.27% | -0.30% | 7.01% | +737 bps | |
| Loan Growth (YoY) | 3.66% | 2.23% | 6.19% | 7.19% | 6.29% | 8.67% | 13.07% | 7.84% | +65 bps | |
| Deposit Growth (YoY) | 3.76% | 8.00% | 0.91% | -1.14% | -0.02% | -0.98% | 1.13% | 7.94% | +908 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 | 0.06% | 0.04% | 0.03% | 0.02% | 0.00% | 0.04% | 0.02% | 0.02% | 0 bps | |
| Allowance / Loans | 0.96% | 1.01% | 0.98% | 0.99% | 0.94% | 0.99% | 0.95% | 0.99% | +1 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 | 17.19% | 17.80% | 17.66% | 18.26% | 18.05% | 18.46% | 16.73% | 16.92% | -134 bps | |
| Equity / Assets | 9.49% | 9.21% | 9.48% | 9.74% | 9.65% | 10.24% | 9.60% | 9.20% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.91% | 52.03% | 55.38% | 54.56% | 57.31% | 57.10% | 61.92% | 54.51% | -5 bps | |
| Liquid Assets / Assets | 10.80% | 11.21% | 11.60% | 11.95% | 11.49% | 11.50% | 12.10% | 10.98% | -97 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |