Trenton, NE · Cert 11026
FDIC
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Trenton, NE · Cert 11026
FDIC
Q4 2003
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 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.35% | 0.77% | 0.65% | 0.56% | -0.54% | 0.02% | 0.14% | -51 bps | |
| Return on Equity | 3.13% | 3.43% | 7.53% | 6.34% | 5.42% | -5.27% | 0.20% | 1.37% | -497 bps | |
| Net Interest Margin | 3.65% | 3.70% | 3.84% | 3.91% | 4.11% | 3.69% | 3.79% | 3.86% | -6 bps | |
| Efficiency Ratio | 81.82% | 89.39% | 76.95% | 80.66% | 82.43% | 79.25% | 72.64% | 73.46% | -720 bps | |
| Non-Interest Burden | 2.92% | 3.27% | 2.83% | 3.06% | 3.31% | 2.84% | 2.65% | 2.74% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.03% | 4.03% | 4.24% | 5.59% | 0.71% | 2.12% | 0.10% | -0.89% | -649 bps | |
| Loan Growth (YoY) | 8.13% | 7.09% | 3.63% | 7.67% | 3.61% | -2.66% | -2.10% | -6.55% | -1,422 bps | |
| Deposit Growth (YoY) | 0.75% | 2.64% | 2.34% | 4.21% | -0.48% | 1.96% | -0.16% | -0.79% | -500 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 | 0.09% | 0.12% | 0.08% | 0.37% | 0.00% | 0.77% | 0.51% | 1.14% | +77 bps | |
| Allowance / Loans | 1.73% | 1.67% | 1.68% | 1.36% | 1.62% | 1.80% | 1.79% | 1.14% | -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 | 17.06% | 14.33% | 14.76% | 14.80% | 14.36% | 14.13% | 13.46% | 14.45% | -35 bps | |
| Equity / Assets | 10.06% | 10.38% | 10.46% | 10.04% | 10.50% | 10.09% | 10.27% | 10.04% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.26% | 83.78% | 81.21% | 79.72% | 84.60% | 79.99% | 79.63% | 75.09% | -463 bps | |
| Liquid Assets / Assets | 0.79% | 0.53% | 3.07% | 2.77% | 0.41% | 5.46% | 7.39% | 6.27% | +350 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |