Beaver City, NE · Cert 12636
FDIC
Q4 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 1.18% | 1.16% | 1.28% | 1.20% | 1.40% | 1.53% | 1.41% | +13 bps | |
| Return on Equity | 5.18% | 7.25% | 7.12% | 7.83% | 7.14% | 8.17% | 8.84% | 8.42% | +59 bps | |
| Net Interest Margin | 3.35% | 3.17% | 3.38% | 3.25% | 2.48% | 2.69% | 2.82% | 2.74% | -51 bps | |
| Efficiency Ratio | 49.62% | 51.29% | 55.49% | 55.83% | 55.59% | 53.07% | 51.01% | 53.80% | -203 bps | |
| Non-Interest Burden | 1.58% | 1.52% | 1.75% | 1.70% | 1.24% | 1.26% | 1.25% | 1.31% | -39 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% | 2.34% | 1.44% | 0.95% | 0.14% | 0.99% | 0.67% | 0.51% | -44 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 |