Paxton, NE · Cert 12247
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.50% | 4.77% | 0.12% | 3.44% | 0.48% | 1.26% | 1.14% | +101 bps | |
| Return on Equity | 5.18% | 11.72% | 33.57% | 0.90% | 24.85% | 3.35% | 9.02% | 8.08% | +719 bps | |
| Net Interest Margin | 3.80% | 5.54% | 4.76% | 4.64% | 9.13% | 4.04% | 5.41% | 4.91% | +27 bps | |
| Efficiency Ratio | 75.82% | 55.79% | 60.87% | 69.90% | 39.58% | 86.23% | 67.59% | 67.89% | -200 bps | |
| Non-Interest Burden | 2.79% | 2.95% | 2.50% | 3.13% | 3.29% | 3.42% | 3.47% | 3.21% | +8 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% | -2.85% | -0.38% | 6.45% | -0.56% | -0.30% | -0.08% | -0.13% | -658 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 |