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Filley Bank

Filley, NE · Cert 16963

FDIC

Q2 2009

$16.0MAssets
$7.3MLoans
$14.9MDeposits
$1.1MEquity
Loan mix
88%RE $3.5M12%C&I $0.5M0%Consumer $0.0MQ2 2008Q2 2009
Deposit mix
91%Interest-bearing $13.6M9%Noninterest $1.3MQ2 2008Q2 2009

NIM

5.76%Q2 ’075.17%Q2 ’084.11%Q2 ’09-13%-3%

Non-interest income vs. expense

3.03%Q2 ’072.60%Q2 ’082.62%Q2 ’09-10%+2%

Executive Summary

  • Earnings: ROA of 2.00%, up 166 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Funding: loans stand at 49.28% of deposits as of Q2 2009.

Financial Results

Return on Assets (quarter, annualized)

2.00%+166 bps YoY

Net Interest Margin (quarter, annualized)

2.52%-7 bps YoY

Efficiency Ratio (quarter, annualized)

91.38%+377 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets0.34%0.51%-3.97%0.59%2.00%+166 bps
Return on Equity5.37%7.88%-60.51%9.03%30.15%+2,477 bps
Net Interest Margin2.60%2.77%2.50%3.09%2.52%-7 bps
Efficiency Ratio87.61%83.33%97.22%80.00%91.38%+377 bps
Non-Interest Burden2.23%2.24%2.42%2.41%2.28%+5 bps
Growth
Asset Growth (YoY)20.07%15.76%11.97%4.19%6.30%-1,377 bps
Loan Growth (YoY)0.63%-6.23%-6.98%3.47%2.28%+164 bps
Deposit Growth (YoY)21.91%20.00%12.80%4.22%6.23%-1,568 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.34%-0.40%8.76%0.00%-0.05%-39 bps
Allowance / Loans0.89%1.02%1.07%1.07%1.05%+16 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.06%12.31%12.32%11.79%12.88%+82 bps
Equity / Assets6.29%6.64%6.48%6.53%6.72%+43 bps
Liquidity & Funding
Loans / Deposits51.18%51.71%48.30%47.96%49.28%-190 bps
Liquid Assets / Assets0.32%0.33%0.31%0.30%18.72%+1,841 bps
CRE / Total Capitaln/an/an/an/an/an/an/a