Fairmont, NE · Cert 18739
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 0.26% | -1.09% | -0.76% | 0.30% | 0.09% | -0.33% | 0.31% | +106 bps | |
| Return on Equity | 13.47% | 2.42% | -11.74% | -8.98% | 3.48% | 0.99% | -3.98% | 3.47% | +1,245 bps | |
| Net Interest Margin | 4.50% | 3.66% | 3.11% | 3.01% | 3.49% | 2.84% | 2.85% | 2.80% | -21 bps | |
| Efficiency Ratio | 86.36% | 94.05% | 134.43% | 125.93% | 91.21% | 97.62% | 112.99% | 90.41% | -3,551 bps | |
| Non-Interest Burden | 3.83% | 3.41% | 4.03% | 3.88% | 3.15% | 2.76% | 3.27% | 2.50% | -138 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.96% | 17.42% | 23.57% | 39.03% | 20.45% | 11.49% | 9.95% | -15.98% | -5,500 bps | |
| Loan Growth (YoY) | -6.61% | -16.34% | -31.81% | 45.92% | -15.04% | -21.75% | -8.58% | -56.90% | -10,282 bps | |
| Deposit Growth (YoY) | -2.04% | 21.10% | 26.56% | 42.17% | 23.39% | 13.29% | 11.05% | -16.57% | -5,874 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 | 0.00% | 0.00% | 2.30% | 0.07% | 0.00% | -0.27% | 0.00% | 0.00% | -7 bps | |
| Allowance / Loans | 1.34% | 1.52% | 1.53% | 0.81% | 1.27% | 1.64% | 1.67% | 1.96% | +115 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 | 18.07% | 18.57% | 20.15% | 12.54% | 17.83% | 19.71% | 13.38% | 22.00% | +945 bps | |
| Equity / Assets | 11.69% | 9.77% | 8.90% | 8.02% | 9.53% | 8.47% | 8.11% | 9.66% | +164 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.23% | 49.04% | 38.55% | 63.15% | 47.67% | 33.88% | 31.74% | 32.62% | -3,053 bps | |
| Liquid Assets / Assets | 9.41% | 7.63% | 8.95% | 12.20% | 16.94% | 15.96% | 16.26% | 14.43% | +224 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |