Saint Edward, NE · Cert 15294
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Saint Edward, NE · Cert 15294
FDIC
Q4 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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 8.65% | 7.26% | 6.49% | 2.03% | 20.27% | 14.06% | 10.52% | 9.44% | +741 bps | |
| Return on Equity | 41.30% | 34.71% | 30.74% | 9.80% | 95.27% | 63.45% | 46.39% | 40.47% | +3,067 bps | |
| Net Interest Margin | 3.98% | 3.60% | 3.48% | 3.44% | 3.56% | 3.63% | 3.65% | 3.65% | +22 bps | |
| Efficiency Ratio | 24.81% | 20.63% | 22.60% | 29.70% | 13.48% | 13.78% | 15.61% | 24.55% | -515 bps | |
| Non-Interest Burden | 0.65% | 0.12% | 0.24% | 0.53% | -1.92% | -0.91% | -0.57% | 0.00% | -53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.79% | 10.03% | 16.38% | 6.43% | 8.46% | 2.68% | 1.85% | 1.97% | -446 bps | |
| Loan Growth (YoY) | 14.59% | 23.43% | 34.15% | 20.80% | 3.90% | -2.94% | -4.31% | 1.90% | -1,890 bps | |
| Deposit Growth (YoY) | 0.42% | 6.95% | 8.26% | 4.27% | 4.41% | -1.00% | 1.85% | -6.81% | -1,108 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 | -2.98% | -1.38% | -0.87% | 3.27% | -28.29% | -14.54% | -9.35% | -7.20% | -1,048 bps | |
| Allowance / Loans | 3.55% | 3.26% | 3.07% | 2.53% | 2.85% | 3.13% | 3.06% | 1.45% | -108 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 | 30.45% | 28.66% | 29.07% | 27.72% | 35.77% | 36.05% | 36.69% | 38.58% | +1,086 bps | |
| Equity / Assets | 21.71% | 20.86% | 21.68% | 19.21% | 23.24% | 23.94% | 24.26% | 25.95% | +675 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.58% | 96.37% | 103.92% | 92.46% | 89.14% | 94.48% | 97.63% | 101.10% | +864 bps | |
| Liquid Assets / Assets | 25.27% | 23.30% | 21.73% | 14.18% | 12.47% | 11.96% | 13.25% | 8.71% | -547 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |