Big Springs, NE · Cert 18712
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Big Springs, NE · Cert 18712
FDIC
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.54% | 0.60% | 0.40% | 0.33% | 0.79% | 0.27% | 0.25% | -15 bps | |
| Return on Equity | 1.86% | 3.83% | 4.16% | 2.81% | 2.32% | 5.33% | 1.83% | 1.68% | -113 bps | |
| Net Interest Margin | 3.14% | 2.86% | 2.80% | 2.65% | 2.62% | 3.19% | 2.69% | 2.64% | -1 bps | |
| Efficiency Ratio | 82.56% | 80.14% | 79.05% | 85.18% | 87.74% | 77.38% | 90.53% | 90.91% | +573 bps | |
| Non-Interest Burden | 2.55% | 2.25% | 2.16% | 2.22% | 2.27% | 2.42% | 2.41% | 2.38% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.58% | -1.95% | -2.79% | 6.20% | -1.41% | -7.29% | -2.14% | -6.08% | -1,228 bps | |
| Loan Growth (YoY) | 1.95% | 11.42% | 3.61% | -1.57% | -1.99% | 20.75% | 18.49% | 9.81% | +1,138 bps | |
| Deposit Growth (YoY) | 3.62% | 7.22% | 6.73% | 18.68% | -4.58% | -8.58% | -1.99% | -7.21% | -2,589 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 | -0.02% | 0.15% | 0.07% | 0.05% | 0.04% | 0.00% | 0.00% | 0.00% | -5 bps | |
| Allowance / Loans | 1.59% | 1.60% | 1.55% | 1.47% | 1.59% | 1.32% | 1.31% | 1.34% | -13 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 | 23.79% | 25.03% | 25.65% | 25.29% | 26.38% | 25.04% | 24.65% | 24.39% | -89 bps | |
| Equity / Assets | 14.28% | 13.87% | 14.94% | 14.40% | 14.64% | 15.15% | 14.96% | 15.37% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.68% | 29.69% | 32.75% | 33.22% | 32.54% | 39.22% | 39.59% | 39.32% | +610 bps | |
| Liquid Assets / Assets | 50.54% | 44.92% | 42.22% | 38.84% | 39.81% | 33.32% | 30.70% | 25.09% | -1,374 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |