Bertrand, NE · Cert 15267
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Bertrand, NE · Cert 15267
FDIC
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | 0.13% | 0.44% | 0.51% | 0.46% | 0.49% | 0.56% | 0.56% | +5 bps | |
| Return on Equity | -2.97% | 0.88% | 2.94% | 3.46% | 3.32% | 3.58% | 3.98% | 4.11% | +65 bps | |
| Net Interest Margin | 2.57% | 2.66% | 2.96% | 2.89% | 2.47% | 2.48% | 2.77% | 2.71% | -18 bps | |
| Efficiency Ratio | 113.65% | 93.03% | 82.57% | 79.67% | 78.75% | 76.88% | 74.15% | 73.74% | -593 bps | |
| Non-Interest Burden | 2.96% | 2.46% | 2.40% | 2.25% | 1.89% | 1.85% | 1.98% | 1.92% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.39% | 27.52% | 9.72% | 11.06% | 7.56% | 9.03% | 5.27% | 18.09% | +703 bps | |
| Loan Growth (YoY) | 18.99% | 17.45% | -0.08% | -5.26% | -10.38% | -5.19% | -6.31% | 0.30% | +555 bps | |
| Deposit Growth (YoY) | 13.91% | 16.67% | 18.44% | 15.72% | 12.38% | 11.64% | 6.29% | 27.13% | +1,141 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 | -0.02% | -0.01% | -0.01% | 0.04% | -0.14% | 0.13% | 0.12% | 0.04% | 0 bps | |
| Allowance / Loans | 0.99% | 0.97% | 0.99% | 1.01% | 1.13% | 0.91% | 0.93% | 0.96% | -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 | 21.67% | 21.83% | 22.63% | 22.85% | 24.18% | 22.38% | 23.68% | 22.75% | -10 bps | |
| Equity / Assets | 14.12% | 14.28% | 15.17% | 14.43% | 13.51% | 13.44% | 14.71% | 12.64% | -179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.07% | 79.32% | 76.11% | 70.33% | 59.86% | 67.36% | 67.09% | 55.49% | -1,484 bps | |
| Liquid Assets / Assets | 29.63% | 29.10% | 26.42% | 29.72% | 35.30% | 36.19% | 33.03% | 27.60% | -212 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |