Big Springs, NE · Cert 18712
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.54% | 0.65% | 0.02% | 0.12% | 0.79% | -0.25% | 0.21% | +19 bps | |
| Return on Equity | 5.22% | 3.83% | 4.49% | 0.14% | 0.84% | 5.33% | -1.69% | 1.40% | +127 bps | |
| Net Interest Margin | 3.24% | 2.86% | 2.80% | 2.41% | 2.65% | 3.19% | 2.12% | 2.57% | +16 bps | |
| Efficiency Ratio | 54.17% | 80.14% | 78.00% | 99.22% | 95.65% | 77.38% | 109.40% | 91.73% | -750 bps | |
| Non-Interest Burden | 1.65% | 2.25% | 2.12% | 2.39% | 2.53% | 2.42% | 2.35% | 2.34% | -5 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 | -0.07% | 0.15% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 |