Sutton, NE · Cert 14479
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.41% | 1.33% | 1.31% | 0.95% | 1.07% | 1.01% | 1.11% | -19 bps | |
| Return on Equity | 9.08% | 7.86% | 8.52% | 10.39% | 7.46% | 8.37% | 7.79% | 8.54% | -185 bps | |
| Net Interest Margin | 4.28% | 4.24% | 3.92% | 4.35% | 4.30% | 4.20% | 4.03% | 4.14% | -21 bps | |
| Efficiency Ratio | 57.72% | 56.26% | 64.81% | 61.73% | 62.74% | 63.87% | 64.47% | 62.97% | +125 bps | |
| Non-Interest Burden | 2.37% | 2.28% | 2.41% | 2.52% | 2.99% | 2.71% | 2.64% | 2.61% | +9 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 | 0.14% | -0.07% | -0.05% | 0.21% | 0.21% | -0.05% | -0.06% | 0.04% | -18 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 |