Harvard, NE · Cert 14313
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Harvard, NE · Cert 14313
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 1.01% | 0.35% | 0.91% | 0.80% | 0.98% | 0.86% | 0.01% | -90 bps | |
| Return on Equity | 6.54% | 7.67% | 2.64% | 6.79% | 6.02% | 7.61% | 6.72% | 0.08% | -671 bps | |
| Net Interest Margin | 3.89% | 3.86% | 3.91% | 3.97% | 3.93% | 3.85% | 3.94% | 3.67% | -29 bps | |
| Efficiency Ratio | 68.21% | 64.92% | 88.92% | 71.50% | 74.30% | 67.91% | 70.33% | 74.56% | +307 bps | |
| Non-Interest Burden | 2.49% | 2.34% | 3.39% | 2.60% | 2.77% | 2.46% | 2.66% | 2.90% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.57% | 3.93% | 6.10% | 1.87% | 6.10% | 8.80% | 10.48% | 3.99% | +211 bps | |
| Loan Growth (YoY) | 9.54% | 2.48% | 4.53% | 3.19% | 5.31% | 9.73% | 9.19% | 8.05% | +486 bps | |
| Deposit Growth (YoY) | 0.17% | 6.68% | 10.95% | 8.25% | 21.89% | 19.91% | 19.25% | 10.39% | +215 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 | -0.13% | -0.09% | -0.07% | -0.03% | 0.09% | 0.05% | 0.13% | 3.96% | +398 bps | |
| Allowance / Loans | 1.17% | 1.11% | 1.18% | 1.21% | 1.07% | 0.98% | 0.96% | 0.01% | -120 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 | 15.82% | 14.96% | 15.88% | 16.47% | 15.34% | 14.12% | 14.69% | 14.73% | -174 bps | |
| Equity / Assets | 13.18% | 12.60% | 13.19% | 13.76% | 12.87% | 12.00% | 12.18% | 13.29% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 123.95% | 125.17% | 118.59% | 110.06% | 107.08% | 114.55% | 108.59% | 107.72% | -234 bps | |
| Liquid Assets / Assets | 1.09% | 1.61% | 1.55% | 1.77% | 1.59% | 1.30% | 1.26% | 2.77% | +99 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |