Hastings, NE · Cert 18984
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.93% | 0.14%1 | -0.69% | 0.91%1 | 0.30%1 | 0.66% | 0.87%1 | 0.32% | -59 bps | |
| Return on Equity | -14.41% | 2.35% | -10.38% | 12.52% | 3.96% | 8.85% | 11.33% | 3.99% | -853 bps | |
| Net Interest Margin | 3.24% | 3.31% | 3.07% | 3.24% | 3.28% | 3.20% | 3.15% | 3.05% | -19 bps | |
| Efficiency Ratio | 128.10% | 98.95% | 132.47% | 109.81% | 98.10% | 82.88% | 103.80% | 95.67% | -1,414 bps | |
| Non-Interest Burden | 4.23% | 3.27% | 4.20% | 3.52% | 3.21% | 2.52% | 3.28% | 2.90% | -61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.26% | -0.76% | 0.09% | -1.79% | -6.49% | -1.03% | -1.93% | -2.11% | -33 bps | |
| Loan Growth (YoY) | -22.94% | -23.96% | -16.90% | -10.14% | -8.88% | -5.56% | -7.74% | -14.29% | -416 bps | |
| Deposit Growth (YoY) | 0.17% | 0.42% | -2.49% | -4.18% | -6.19% | -7.45% | -2.12% | -1.29% | +288 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 | 0.52% | -0.55% | 0.01% | -0.07% | -2.73% | -0.48% | -0.15% | 0.49% | +56 bps | |
| Allowance / Loans | 3.04% | 3.38% | 3.29% | 3.14% | 4.18% | 4.42% | 4.44% | 4.42% | +128 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 | 13.30% | 13.94% | 13.39% | 13.38% | 14.32% | 14.86% | 15.41% | 15.58% | +220 bps | |
| Equity / Assets | 5.74% | 6.20% | 7.03% | 7.55% | 7.48% | 7.48% | 7.93% | 8.20% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.70% | 63.07% | 67.89% | 72.80% | 64.79% | 64.35% | 63.99% | 63.21% | -959 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.75% | 0.09% | 0.10% | 7.38% | 4.03% | +328 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |