Imperial, NE · Cert 12492
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Imperial, NE · Cert 12492
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 1.41% | 1.51% | 1.48% | 1.65% | 1.57% | 1.67% | 0.51% | -97 bps | |
| Return on Equity | 12.91% | 12.43% | 13.44% | 12.59% | 13.61% | 12.86% | 13.24% | 3.55% | -904 bps | |
| Net Interest Margin | 4.11% | 4.00% | 4.35% | 4.56% | 4.66% | 4.45% | 4.38% | 1.48% | -308 bps | |
| Efficiency Ratio | 45.95% | 49.30% | 48.59% | 46.30% | 44.03% | 47.69% | 45.32% | 53.73% | +743 bps | |
| Non-Interest Burden | 1.73% | 1.84% | 2.04% | 2.00% | 1.88% | 1.99% | 1.88% | 0.95% | -105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.42% | 10.38% | -3.87% | -1.74% | -7.68% | -1.99% | 7.29% | 17.97% | +1,971 bps | |
| Loan Growth (YoY) | 3.55% | -6.50% | 1.86% | 3.23% | 9.62% | 6.51% | 10.29% | 17.87% | +1,464 bps | |
| Deposit Growth (YoY) | 13.47% | 11.02% | -5.13% | -2.40% | -9.44% | -3.99% | 6.05% | 11.27% | +1,367 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 | 0.02% | 0.02% | -0.03% | 0.53% | 0.29% | 0.23% | 0.00% | 0.00% | -53 bps | |
| Allowance / Loans | 1.03% | 1.11% | 1.17% | 1.06% | 0.92% | 0.98% | 0.99% | 0.91% | -15 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 | 18.68% | 17.77% | 19.84% | 20.21% | 18.79% | 19.12% | 20.20% | 20.82% | +62 bps | |
| Equity / Assets | 11.75% | 10.60% | 12.00% | 12.84% | 13.42% | 12.41% | 12.87% | 17.81% | +498 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.90% | 60.15% | 63.78% | 68.63% | 79.77% | 66.73% | 66.33% | 72.70% | +407 bps | |
| Liquid Assets / Assets | 11.90% | 10.30% | 8.96% | 6.71% | 5.18% | 2.73% | 2.19% | 1.72% | -499 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |