Oconto, NE · Cert 11024
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.23% | 1.20% | 0.88% | 1.40% | 1.28% | 1.27% | 0.77% | -10 bps | |
| Return on Equity | 10.25% | 9.49% | 9.15% | 6.71% | 10.69% | 9.84% | 10.08% | 6.10% | -61 bps | |
| Net Interest Margin | 4.03% | 4.01% | 4.26% | 4.19% | 4.06% | 4.19% | 3.71% | 4.09% | -11 bps | |
| Efficiency Ratio | 59.58% | 62.14% | 64.48% | 74.14% | 59.13% | 62.31% | 58.44% | 69.14% | -500 bps | |
| Non-Interest Burden | 2.15% | 2.22% | 2.49% | 2.93% | 2.17% | 2.42% | 1.97% | 2.67% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.94% | 3.24% | -2.27% | 1.39% | 4.16% | 8.16% | 14.77% | 7.32% | +593 bps | |
| Loan Growth (YoY) | 19.57% | 16.21% | 4.11% | 10.93% | 10.47% | 16.08% | 20.35% | 11.50% | +57 bps | |
| Deposit Growth (YoY) | 1.08% | -0.32% | -4.23% | -1.77% | -0.53% | -3.50% | 1.57% | 2.13% | +391 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 | -0.79% | 0.11% | -0.13% | -0.34% | -0.87% | -0.19% | -0.09% | -0.42% | -8 bps | |
| Allowance / Loans | 1.31% | 1.24% | 1.21% | 1.32% | 1.49% | 1.42% | 1.33% | 1.68% | +37 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 | 16.31% | 16.21% | 16.11% | 16.47% | 16.42% | 15.94% | 14.88% | 16.40% | -7 bps | |
| Equity / Assets | 12.86% | 13.04% | 13.30% | 12.89% | 13.26% | 12.85% | 12.36% | 13.06% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.30% | 84.66% | 93.82% | 85.41% | 91.40% | 101.83% | 111.16% | 93.24% | +783 bps | |
| Liquid Assets / Assets | 1.52% | 1.52% | 1.50% | 1.44% | 1.43% | 0.94% | 0.86% | 0.46% | -98 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |