Paxton, NE · Cert 12247
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Paxton, NE · Cert 12247
FDIC
Q4 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 1.06% | 2.21% | 1.68% | 3.44% | 2.01% | 1.77% | 1.61% | -7 bps | |
| Return on Equity | 5.18% | 8.51% | 16.93% | 12.93% | 24.85% | 14.53% | 12.72% | 11.59% | -135 bps | |
| Net Interest Margin | 3.80% | 4.78% | 4.91% | 4.90% | 9.13% | 6.84% | 6.50% | 6.13% | +123 bps | |
| Efficiency Ratio | 75.82% | 64.39% | 63.15% | 64.71% | 39.58% | 53.85% | 57.74% | 59.77% | -494 bps | |
| Non-Interest Burden | 2.79% | 2.95% | 2.88% | 2.98% | 3.29% | 3.44% | 3.52% | 3.46% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.00% | -9.54% | -16.82% | -4.13% | -15.06% | -10.43% | -5.45% | -17.89% | -1,376 bps | |
| Loan Growth (YoY) | -9.89% | -17.75% | -18.86% | -6.39% | -1.97% | 10.56% | 14.96% | -6.28% | +11 bps | |
| Deposit Growth (YoY) | 1.19% | -10.70% | -18.05% | -15.54% | -18.55% | -11.65% | -4.09% | -8.36% | +717 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 | 2.19% | -0.19% | -0.26% | 1.45% | -0.56% | -0.43% | -0.31% | -0.27% | -172 bps | |
| Allowance / Loans | 2.83% | 3.91% | 4.05% | 2.41% | 2.70% | 2.77% | 2.72% | 2.85% | +43 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 | 19.35% | 21.64% | 23.77% | 19.06% | 21.79% | 19.54% | 18.89% | 19.32% | +26 bps | |
| Equity / Assets | 12.37% | 13.23% | 15.29% | 12.72% | 15.10% | 13.73% | 14.12% | 14.01% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.56% | 60.51% | 67.75% | 76.55% | 74.09% | 75.71% | 81.20% | 78.29% | +174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.66% | 2.05% | 0.00% | 7.80% | +780 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |