Fairmont, NE · Cert 18739
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.89% | 0.26% | -0.46% | -0.57% | -0.35% | 0.09% | -0.13% | 0.01% | +59 bps | |
| Return on Equity | -7.69% | 2.42% | -4.64% | -6.06% | -3.69% | 0.99% | -1.49% | 0.17% | +622 bps | |
| Net Interest Margin | 4.25% | 3.66% | 3.11% | 2.96% | 3.16% | 2.84% | 2.94% | 2.94% | -2 bps | |
| Efficiency Ratio | 100.58% | 94.05% | 111.03% | 116.37% | 109.15% | 97.62% | 104.97% | 100.43% | -1,594 bps | |
| Non-Interest Burden | 4.27% | 3.41% | 3.46% | 3.47% | 3.47% | 2.76% | 3.10% | 2.95% | -51 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 | 2.33% | 0.00% | 1.15% | 0.45% | 0.53% | -0.27% | -0.14% | -0.11% | -55 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 |