Sutton, NE · Cert 14479
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Sutton, NE · Cert 14479
FDIC
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.41% | 1.31% | 1.34% | 1.24% | 1.07% | 1.04% | 1.06% | -27 bps | |
| Return on Equity | 9.57% | 7.86% | 8.43% | 9.16% | 8.74% | 8.37% | 8.06% | 8.23% | -93 bps | |
| Net Interest Margin | 4.33% | 4.24% | 3.27% | 3.58% | 3.78% | 4.20% | 4.12% | 4.10% | +52 bps | |
| Efficiency Ratio | 55.13% | 56.26% | 61.46% | 61.57% | 61.91% | 63.87% | 64.17% | 63.76% | +219 bps | |
| Non-Interest Burden | 2.27% | 2.28% | 1.91% | 2.08% | 2.32% | 2.71% | 2.68% | 2.64% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.73% | 2.95% | 69.27% | 60.44% | 63.70% | 61.49% | -0.96% | -1.35% | -6,179 bps | |
| Loan Growth (YoY) | -8.52% | -7.92% | 61.44% | 60.20% | 63.03% | 75.46% | -3.15% | -3.64% | -6,384 bps | |
| Deposit Growth (YoY) | -0.24% | -4.54% | 85.26% | 71.31% | 78.17% | 82.83% | -2.62% | -2.54% | -7,386 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 | 0.17% | -0.07% | -0.04% | 0.04% | 0.09% | -0.05% | -0.05% | -0.02% | -7 bps | |
| Allowance / Loans | 1.96% | 2.14% | 2.19% | 2.05% | 2.10% | 2.12% | 2.18% | 2.10% | +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 | 13.86% | 21.73% | 11.16% | 10.97% | 11.50% | 11.82% | 12.21% | 12.05% | +108 bps | |
| Equity / Assets | 15.35% | 20.53% | 12.51% | 12.63% | 12.90% | 12.75% | 13.21% | 12.90% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.74% | 87.72% | 83.46% | 89.24% | 82.11% | 84.18% | 83.01% | 88.24% | -100 bps | |
| Liquid Assets / Assets | 0.06% | 0.12% | 0.03% | 0.07% | 0.05% | 0.06% | 0.09% | 0.04% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |