Wilton, IA · Cert 9302
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.48% | 1.63% | 1.22% | 1.68% | 1.31% | 1.50% | 1.48% | +26 bps | |
| Return on Equity | 13.87% | 15.84% | 17.44% | 12.65% | 17.33% | 13.17% | 15.16% | 15.71% | +306 bps | |
| Net Interest Margin | 3.23% | 3.35% | 3.47% | 3.56% | 3.50% | 3.45% | 3.46% | 3.38% | -18 bps | |
| Efficiency Ratio | 59.94% | 57.76% | 55.63% | 66.76% | 55.33% | 60.17% | 56.41% | 59.22% | -754 bps | |
| Non-Interest Burden | 1.71% | 1.78% | 1.78% | 2.26% | 1.69% | 1.95% | 1.80% | 1.85% | -41 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% | 0.01% | 0.00% | -0.01% | 0.00% | 0.07% | 0.00% | 0.00% | +1 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 |