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Central Bank

Central City, NE · Cert 17966

FDIC

Q3 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2009, the quarter ended September 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central Bank

Central City, NE · Cert 17966

FDIC

Q3 2009

$21.1MAssets
$12.5MLoans
$17.5MDeposits
$3.5MEquity
Deposit mix
81%Interest-bearing $14.3M19%Noninterest $3.3MQ3 2008Q3 2009

NIM

6.94%Q3 ’075.91%Q3 ’085.10%Q3 ’09-5%-1%

Non-interest income vs. expense

3.39%Q3 ’073.36%Q3 ’083.44%Q3 ’09-7%+6%

Executive Summary

  • Earnings: ROA of 0.55%, down 56 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.73%.
  • Funding: loans stand at 71.32% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

0.55%-56 bps YoY

Net Interest Margin (YTD, annualized)

4.05%-5 bps YoY

Efficiency Ratio (YTD, annualized)

74.34%+356 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets1.11%1.01%1.17%0.24%0.55%-56 bps
Return on Equity6.81%6.16%7.10%1.46%3.33%-349 bps
Net Interest Margin4.10%4.16%4.00%3.91%4.05%-5 bps
Efficiency Ratio70.78%74.49%73.97%74.43%74.34%+356 bps
Non-Interest Burden2.72%2.94%2.81%2.77%2.87%+15 bps
Growth
Asset Growth (YoY)-3.82%-4.00%1.60%1.23%3.82%+763 bps
Loan Growth (YoY)-3.92%-0.12%-1.73%-8.45%-6.64%-272 bps
Deposit Growth (YoY)-2.60%-0.61%1.97%1.23%4.34%+694 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.50%0.63%1.87%1.09%0.73%+23 bps
Allowance / Loans2.61%2.29%2.40%3.04%2.71%+11 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 Capital21.61%21.16%22.86%22.42%21.33%-28 bps
Equity / Assets16.90%16.51%16.44%16.57%16.61%-29 bps
Liquidity & Funding
Loans / Deposits79.71%79.25%62.70%66.50%71.32%-839 bps
Liquid Assets / Assets2.21%0.72%3.10%3.64%1.18%-103 bps
CRE / Total Capitaln/an/an/an/an/an/an/a