Beaver City, NE · Cert 12636
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 1.53% | 1.14% | 1.65% | 1.20% | 1.60% | 1.78% | 1.10% | -55 bps | |
| Return on Equity | 5.18% | 9.31% | 6.86% | 9.89% | 7.14% | 9.18% | 10.07% | 6.78% | -310 bps | |
| Net Interest Margin | 3.35% | 3.01% | 3.25% | 3.63% | 2.48% | 2.90% | 2.99% | 2.67% | -96 bps | |
| Efficiency Ratio | 49.62% | 53.05% | 64.17% | 56.70% | 55.59% | 50.92% | 47.30% | 62.61% | +591 bps | |
| Non-Interest Burden | 1.58% | 1.46% | 1.97% | 1.92% | 1.24% | 1.29% | 1.19% | 1.56% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.64% | 4.13% | 5.80% | -0.07% | 0.95% | -0.16% | -2.38% | 3.57% | +363 bps | |
| Loan Growth (YoY) | -10.24% | -12.52% | -8.79% | -14.28% | -11.29% | -3.11% | -6.01% | -1.04% | +1,324 bps | |
| Deposit Growth (YoY) | 3.46% | 3.34% | 5.30% | -0.86% | 0.01% | -1.58% | -3.52% | 5.88% | +673 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 | 2.81% | 1.79% | -0.36% | -0.89% | 0.14% | 1.85% | -0.03% | -0.03% | +86 bps | |
| Allowance / Loans | 1.48% | 1.07% | 1.16% | 1.48% | 1.47% | 0.92% | 0.95% | 0.99% | -49 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 | 22.86% | 22.44% | 23.08% | 23.91% | 24.60% | 24.47% | 23.52% | 21.13% | -278 bps | |
| Equity / Assets | 16.26% | 16.50% | 16.63% | 16.65% | 17.09% | 17.73% | 17.64% | 14.84% | -181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.78% | 67.65% | 67.12% | 62.00% | 61.90% | 66.60% | 65.39% | 57.95% | -405 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.09% | 1.11% | 1.04% | +104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |