Harvard, NE · Cert 14313
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 1.28% | -1.57% | 0.91% | 0.70% | 1.34% | 0.49% | 0.01% | -90 bps | |
| Return on Equity | 4.65% | 9.95% | -12.21% | 6.79% | 5.25% | 10.76% | 4.04% | 0.08% | -671 bps | |
| Net Interest Margin | 3.89% | 4.18% | 3.98% | 3.97% | 4.01% | 4.18% | 4.37% | 3.67% | -29 bps | |
| Efficiency Ratio | 76.47% | 59.00% | 145.78% | 71.50% | 77.25% | 56.01% | 77.44% | 74.56% | +307 bps | |
| Non-Interest Burden | 2.87% | 2.27% | 6.50% | 2.60% | 3.01% | 2.17% | 3.38% | 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 | -0.16% | -0.03% | -0.01% | -0.03% | 0.21% | -0.01% | 0.34% | 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 |