PackageTrendsPeer
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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

6.86%Q3 ’075.81%Q3 ’085.09%Q3 ’09+1%-4%

Non-interest income vs. expense

3.91%Q3 ’073.30%Q3 ’083.46%Q3 ’09-27%+15%

Executive Summary

  • Earnings: ROA of 1.17%, down 54 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Funding: loans stand at 71.32% of deposits as of Q3 2009.

Financial Results

Return on Assets (quarter, annualized)

1.17%-54 bps YoY

Net Interest Margin (quarter, annualized)

4.13%-16 bps YoY

Efficiency Ratio (quarter, annualized)

74.18%+893 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets1.71%0.70%1.17%-0.69%1.17%-54 bps
Return on Equity10.24%4.19%7.10%-4.20%7.06%-319 bps
Net Interest Margin4.29%4.31%4.00%3.89%4.13%-16 bps
Efficiency Ratio65.25%85.10%73.97%74.90%74.18%+893 bps
Non-Interest Burden2.54%3.56%2.81%2.78%2.93%+39 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 / Loans0.42%1.05%1.87%0.39%0.19%-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