Saint Edward, NE · Cert 15294
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 5.89% | 5.01% | -10.97% | 20.27% | 7.69% | 3.53% | 6.17% | +1,714 bps | |
| Return on Equity | 41.30% | 27.68% | 23.54% | -53.65% | 95.27% | 32.60% | 14.63% | 24.59% | +7,824 bps | |
| Net Interest Margin | 3.98% | 3.38% | 3.42% | 3.50% | 3.56% | 3.73% | 3.65% | 3.75% | +25 bps | |
| Efficiency Ratio | 24.81% | 16.71% | 26.82% | 50.36% | 13.48% | 14.22% | 20.00% | 54.14% | +378 bps | |
| Non-Interest Burden | 0.65% | -0.39% | 0.50% | 1.40% | -1.92% | 0.08% | 0.12% | 1.69% | +29 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% | -0.02% | -0.02% | 15.89% | -28.29% | -1.35% | -0.27% | -0.59% | -1,648 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 |