Yutan, NE · Cert 18795
FDIC
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.60% | 1.43% | 0.01% | 1.03% | 1.09% | 1.04% | 1.14% | 0.92% | -12 bps | |
| Return on Equity | 11.93% | 10.54% | 0.07% | 6.93% | 7.34% | 7.00% | 7.67% | 6.35% | -58 bps | |
| Net Interest Margin | 3.95% | 4.02% | 0.58% | 3.36% | 3.41% | 3.39% | 3.71% | 3.20% | -16 bps | |
| Efficiency Ratio | 50.31% | 54.07% | 97.99% | 63.27% | 60.77% | 62.43% | 61.52% | 64.44% | +116 bps | |
| Non-Interest Burden | 1.66% | 1.87% | 0.57% | 1.89% | 1.79% | 1.84% | 1.98% | 1.78% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.34% | 0.85% | 9.69% | 10.02% | 12.01% | 12.30% | 9.29% | 4.99% | -503 bps | |
| Loan Growth (YoY) | 6.38% | 1.07% | 2.75% | 1.95% | 3.90% | 3.38% | 9.30% | 6.63% | +469 bps | |
| Deposit Growth (YoY) | -0.21% | -4.77% | 4.01% | 2.24% | -1.41% | 8.95% | -0.12% | 6.93% | +468 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 | -0.18% | -0.11% | -0.02% | -0.38% | -0.07% | -0.05% | 0.04% | 0.24% | +62 bps | |
| Allowance / Loans | 1.60% | 1.59% | 1.65% | 1.73% | 1.61% | 1.60% | 1.47% | 1.43% | -30 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 | 18.77% | 18.77% | 11.04% | 11.34% | 11.57% | 11.28% | 11.30% | 11.00% | -34 bps | |
| Equity / Assets | 13.64% | 13.94% | 15.08% | 14.78% | 14.91% | 14.75% | 14.54% | 14.31% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.13% | 110.99% | 102.32% | 101.41% | 107.63% | 105.31% | 111.98% | 101.13% | -28 bps | |
| Liquid Assets / Assets | 5.17% | 5.15% | 3.19% | 2.19% | 1.63% | 1.61% | 1.53% | 0.49% | -170 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |