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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 $0.0MQ3 2007Q2 2009
Deposit mix
91%Interest-bearing $13.6M9%Noninterest $1.3MQ3 2007Q2 2009

Executive Summary

  • Earnings: ROA of 1.31%, up 117 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 49.28% of deposits as of Q2 2009.

Return on Assets (YTD, annualized)

1.31%+117 bps YoY

Net Interest Margin (YTD, annualized)

2.73%+18 bps YoY

Efficiency Ratio (YTD, annualized)

85.37%-875 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.72%Q2 ’075.22%Q2 ’084.36%Q2 ’09-16%+7%

Non-interest income vs. expense

3.14%Q2 ’072.73%Q2 ’082.60%Q2 ’09-10%-4%

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets0.67%0.36%-0.08%0.14%0.26%-0.81%0.59%1.31%+117 bps
Return on Equity9.02%4.90%-1.23%2.07%3.99%-12.32%9.03%19.85%+1,778 bps
Net Interest Margin3.14%2.95%2.56%2.56%2.62%2.59%3.09%2.73%+18 bps
Efficiency Ratio81.21%88.89%100.93%94.12%90.32%91.98%80.00%85.37%-875 bps
Non-Interest Burden2.46%2.58%2.59%2.39%2.33%2.35%2.41%2.29%-10 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.07%0.00%0.17%-0.02%2.18%0.00%-0.03%-19 bps
Allowance / Loans0.82%0.90%0.99%0.89%1.02%1.07%1.07%1.05%+16 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital12.59%12.28%12.16%12.06%12.31%12.32%11.79%12.88%+82 bps
Equity / Assets7.55%7.07%6.42%6.29%6.64%6.48%6.53%6.72%+43 bps
Liquidity & Funding
Loans / Deposits66.17%58.57%48.30%51.18%51.71%48.30%47.96%49.28%-190 bps
Liquid Assets / Assets0.76%0.71%0.63%0.32%0.33%0.31%0.30%18.72%+1,841 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a