Spalding, NE · Cert 13891
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.79% | -0.84% | 1.01% | 1.03% | 1.64% | 1.02% | 0.95% | -5 bps | |
| Return on Equity | 4.02% | 10.10% | -8.01% | 8.16% | 8.57% | 13.81% | 8.07% | 7.20% | -97 bps | |
| Net Interest Margin | 1.97% | 2.27% | -0.52% | 2.45% | 2.27% | 1.90% | 2.13% | 2.40% | -5 bps | |
| Efficiency Ratio | 65.05% | 54.87% | 47.65% | 59.62% | 40.60% | 57.29% | 49.78% | 56.38% | -324 bps | |
| Non-Interest Burden | 1.21% | 1.19% | -0.39% | 1.45% | 1.07% | 1.27% | 1.06% | 1.41% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.68% | 6.40% | 7.26% | 5.11% | 0.14% | 16.94% | 5.31% | 5.73% | +62 bps | |
| Loan Growth (YoY) | 2.01% | 16.82% | 51.87% | 35.74% | 31.98% | 32.41% | 14.76% | 24.19% | -1,156 bps | |
| Deposit Growth (YoY) | -0.51% | 6.51% | -0.09% | 0.77% | -4.29% | 13.39% | 7.08% | 4.72% | +396 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 | 0.00% | 0.00% | 0.00% | 0.91% | 0.00% | -0.58% | 0.00% | -0.02% | -93 bps | |
| Allowance / Loans | 2.32% | 2.15% | 1.05% | 0.81% | 0.90% | 0.97% | 0.84% | 0.77% | -4 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 | 16.36% | 17.53% | 13.88% | 13.82% | 14.48% | 13.91% | 13.02% | 12.44% | -138 bps | |
| Equity / Assets | 7.11% | 8.79% | 12.18% | 12.47% | 11.55% | 12.15% | 13.10% | 13.38% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.25% | 48.28% | 67.23% | 66.76% | 49.99% | 56.37% | 72.05% | 79.16% | +1,241 bps | |
| Liquid Assets / Assets | 32.83% | 35.60% | 32.80% | 30.71% | 24.18% | 12.86% | 16.15% | 16.72% | -1,399 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |