Wilber, NE · Cert 14516
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.04% | 0.93% | 0.98% | 1.01% | 1.01% | 1.15% | 1.36% | +38 bps | |
| Return on Equity | 9.62% | 9.01% | 8.26% | 8.71% | 9.07% | 9.16% | 10.45% | 12.19% | +348 bps | |
| Net Interest Margin | 3.56% | 3.48% | 3.53% | 3.57% | 3.49% | 3.50% | 3.39% | 3.42% | -15 bps | |
| Efficiency Ratio | 54.68% | 56.76% | 60.49% | 58.84% | 57.48% | 57.31% | 63.73% | 60.34% | +150 bps | |
| Non-Interest Burden | 1.78% | 1.82% | 2.00% | 1.96% | 1.86% | 1.85% | 2.01% | 1.89% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.15% | 5.62% | 7.05% | 5.53% | 6.47% | 6.87% | 7.98% | 4.38% | -115 bps | |
| Loan Growth (YoY) | 8.53% | 9.10% | 11.14% | 9.01% | 8.00% | 8.51% | 7.49% | 3.76% | -525 bps | |
| Deposit Growth (YoY) | -0.45% | 4.59% | 8.15% | 5.82% | 10.72% | 7.73% | 10.95% | 8.47% | +265 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% | 0.13% | 0.17% | 0.13% | 0.09% | 0.07% | 0.02% | 0.03% | -10 bps | |
| Allowance / Loans | 0.93% | 0.98% | 0.96% | 0.96% | 0.97% | 1.02% | 1.06% | 1.08% | +12 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 | 10.11% | 10.25% | 10.09% | 10.34% | 10.09% | 10.45% | 11.01% | 11.75% | +140 bps | |
| Equity / Assets | 11.27% | 11.33% | 11.21% | 11.21% | 10.70% | 10.79% | 11.13% | 11.66% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.71% | 106.97% | 109.62% | 112.14% | 108.96% | 107.75% | 106.20% | 107.27% | -487 bps | |
| Liquid Assets / Assets | 1.96% | 1.43% | 1.57% | 1.49% | 1.41% | 0.97% | 0.97% | 0.95% | -53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |