Central City, NE · Cert 17966
FDIC
Q3 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.36% | 0.82% | 1.11% | 1.01% | 1.17% | 0.24% | 0.55% | -56 bps | |
| Return on Equity | 6.62% | 8.54% | 5.11% | 6.81% | 6.16% | 7.10% | 1.46% | 3.33% | -349 bps | |
| Net Interest Margin | 4.39% | 4.21% | 3.95% | 4.10% | 4.16% | 4.00% | 3.91% | 4.05% | -5 bps | |
| Efficiency Ratio | 75.37% | 69.55% | 73.83% | 70.78% | 74.49% | 73.97% | 74.43% | 74.34% | +356 bps | |
| Non-Interest Burden | 3.19% | 2.76% | 2.77% | 2.72% | 2.94% | 2.81% | 2.77% | 2.87% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.97% | -9.42% | -3.86% | -3.82% | -4.00% | 1.60% | 1.23% | 3.82% | +763 bps | |
| Loan Growth (YoY) | 7.17% | -7.10% | -3.63% | -3.92% | -0.12% | -1.73% | -8.45% | -6.64% | -272 bps | |
| Deposit Growth (YoY) | -9.57% | -11.56% | -3.71% | -2.60% | -0.61% | 1.97% | 1.23% | 4.34% | +694 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 | 0.32% | 0.07% | 0.58% | 0.50% | 0.63% | 1.87% | 1.09% | 0.73% | +23 bps | |
| Allowance / Loans | 2.66% | 3.26% | 2.92% | 2.61% | 2.29% | 2.40% | 3.04% | 2.71% | +11 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 | 21.58% | 21.79% | 21.62% | 21.61% | 21.16% | 22.86% | 22.42% | 21.33% | -28 bps | |
| Equity / Assets | 15.36% | 16.60% | 16.52% | 16.90% | 16.51% | 16.44% | 16.57% | 16.61% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.86% | 65.06% | 73.54% | 79.71% | 79.25% | 62.70% | 66.50% | 71.32% | -839 bps | |
| Liquid Assets / Assets | 2.66% | 2.79% | 2.68% | 2.21% | 0.72% | 3.10% | 3.64% | 1.18% | -103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |