Filley, NE · Cert 16963
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | -0.51% | -0.08% | 0.34% | 0.51% | -3.97% | 0.59% | 2.00% | +166 bps | |
| Return on Equity | 13.61% | -7.05% | -1.23% | 5.37% | 7.88% | -60.51% | 9.03% | 30.15% | +2,477 bps | |
| Net Interest Margin | 3.45% | 2.76% | 2.56% | 2.60% | 2.77% | 2.50% | 3.09% | 2.52% | -7 bps | |
| Efficiency Ratio | 67.20% | 114.42% | 100.93% | 87.61% | 83.33% | 97.22% | 80.00% | 91.38% | +377 bps | |
| Non-Interest Burden | 2.16% | 3.21% | 2.59% | 2.23% | 2.24% | 2.42% | 2.41% | 2.28% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.74% | 15.47% | 20.15% | 20.07% | 15.76% | 11.97% | 4.19% | 6.30% | -1,377 bps | |
| Loan Growth (YoY) | -1.13% | 3.30% | 5.92% | 0.63% | -6.23% | -6.98% | 3.47% | 2.28% | +164 bps | |
| Deposit Growth (YoY) | 6.78% | 16.92% | 21.60% | 21.91% | 20.00% | 12.80% | 4.22% | 6.23% | -1,568 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 | 0.42% | -0.16% | 0.00% | 0.34% | -0.40% | 8.76% | 0.00% | -0.05% | -39 bps | |
| Allowance / Loans | 0.82% | 0.90% | 0.99% | 0.89% | 1.02% | 1.07% | 1.07% | 1.05% | +16 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 | 12.59% | 12.28% | 12.16% | 12.06% | 12.31% | 12.32% | 11.79% | 12.88% | +82 bps | |
| Equity / Assets | 7.55% | 7.07% | 6.42% | 6.29% | 6.64% | 6.48% | 6.53% | 6.72% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.17% | 58.57% | 48.30% | 51.18% | 51.71% | 48.30% | 47.96% | 49.28% | -190 bps | |
| Liquid Assets / Assets | 0.76% | 0.71% | 0.63% | 0.32% | 0.33% | 0.31% | 0.30% | 18.72% | +1,841 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |