Imperial, NE · Cert 12492
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.19% | 1.51% | 1.46% | 2.05% | 1.39% | 1.67% | -0.61% | -207 bps | |
| Return on Equity | 14.61% | 10.70% | 13.44% | 11.75% | 15.62% | 10.75% | 13.24% | -3.98% | -1,573 bps | |
| Net Interest Margin | 4.21% | 4.32% | 4.35% | 4.47% | 4.72% | 4.75% | 4.38% | -1.48% | -595 bps | |
| Efficiency Ratio | 42.15% | 58.53% | 48.59% | 43.99% | 39.80% | 57.98% | 45.32% | 65.92% | +2,193 bps | |
| Non-Interest Burden | 1.53% | 2.45% | 2.04% | 1.82% | 1.59% | 2.67% | 1.88% | -0.01% | -183 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 | -0.01% | 0.01% | -0.03% | 1.08% | -0.04% | 0.00% | 0.00% | 0.00% | -108 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 |