Bertrand, NE · Cert 15267
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.67% | 1.03% | 0.74% | 0.46% | 0.52% | 0.67% | 0.61% | -12 bps | |
| Return on Equity | -2.97% | 4.73% | 7.03% | 4.98% | 3.32% | 3.84% | 4.76% | 4.51% | -47 bps | |
| Net Interest Margin | 2.57% | 2.82% | 3.30% | 3.00% | 2.47% | 2.52% | 2.96% | 2.71% | -29 bps | |
| Efficiency Ratio | 113.65% | 74.59% | 64.79% | 71.38% | 78.75% | 75.08% | 69.23% | 72.55% | +117 bps | |
| Non-Interest Burden | 2.96% | 2.04% | 2.04% | 2.07% | 1.89% | 1.83% | 1.95% | 1.89% | -19 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% | 0.00% | 0.00% | 0.17% | -0.14% | 0.39% | 0.07% | -0.18% | -35 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 |