Tekamah, NE · Cert 14592
FDIC
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.83% | 1.14% | 1.09% | 1.15% | 0.95% | 0.99% | 1.02% | -7 bps | |
| Return on Equity | 10.58% | 11.05% | 14.41% | 13.83% | 14.44% | 12.02% | 12.85% | 13.21% | -61 bps | |
| Net Interest Margin | 4.31% | 4.52% | 4.39% | 4.21% | 4.11% | 3.99% | 3.77% | 3.68% | -53 bps | |
| Efficiency Ratio | 56.63% | 57.22% | 46.86% | 49.84% | 46.18% | 51.42% | 48.83% | 51.55% | +171 bps | |
| Non-Interest Burden | 2.24% | 2.37% | 1.80% | 1.86% | 1.63% | 1.81% | 1.59% | 1.65% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.03% | -5.24% | -5.23% | -4.22% | -1.13% | 0.25% | 2.33% | 3.72% | +794 bps | |
| Loan Growth (YoY) | -1.09% | 0.73% | -1.38% | -6.41% | -9.58% | -5.25% | -2.68% | -0.77% | +564 bps | |
| Deposit Growth (YoY) | -6.20% | -6.70% | -6.07% | -4.93% | 1.04% | 0.61% | 2.82% | 1.12% | +605 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 | 1.40% | 1.33% | 1.27% | 1.24% | 1.30% | 1.21% | 1.38% | 1.44% | +21 bps | |
| Allowance / Loans | 1.52% | 1.53% | 1.59% | 1.67% | 1.68% | 1.63% | 1.58% | 1.60% | -7 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 | 12.45% | 11.95% | 12.50% | 13.10% | 13.63% | 12.59% | 12.28% | 12.78% | -32 bps | |
| Equity / Assets | 7.99% | 7.79% | 8.04% | 7.87% | 8.07% | 7.78% | 7.59% | 7.82% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.72% | 78.31% | 76.38% | 73.11% | 70.45% | 73.75% | 72.30% | 71.74% | -137 bps | |
| Liquid Assets / Assets | 25.00% | 22.97% | 21.28% | 22.66% | 22.16% | 23.81% | 21.56% | 34.26% | +1,160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |