Davenport, NE · Cert 19251
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Davenport, NE · Cert 19251
FDIC
Q1 2012
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 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.25% | 3.27% | 1.20% | 1.31% | 1.20% | 1.47% | 1.40% | -2.35% | -366 bps | |
| Return on Equity | 20.68% | 20.78% | 7.58% | 8.51% | 7.92% | 9.59% | 9.22% | -15.93% | -2,445 bps | |
| Net Interest Margin | 5.05% | 5.14% | 5.28% | 3.59% | 3.71% | 4.14% | 4.25% | 3.90% | +30 bps | |
| Efficiency Ratio | 41.10% | 40.97% | 43.04% | 62.29% | 61.22% | 55.87% | 56.38% | 56.81% | -548 bps | |
| Non-Interest Burden | 1.90% | 1.95% | 2.12% | 2.15% | 2.17% | 2.19% | 2.27% | 2.09% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.46% | 9.49% | 0.89% | 13.12% | 3.40% | -6.57% | 4.52% | -1.05% | -1,417 bps | |
| Loan Growth (YoY) | 21.61% | 9.82% | 1.31% | -14.30% | -13.02% | -2.47% | -35.82% | -42.89% | -2,859 bps | |
| Deposit Growth (YoY) | 3.05% | 4.91% | 8.23% | 14.99% | 14.19% | 3.33% | 6.05% | -0.81% | -1,581 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% | 0.00% | 2.10% | 0.95% | 0.57% | 1.29% | 0.22% | -189 bps | |
| Allowance / Loans | 1.73% | 1.76% | 1.92% | 1.68% | 1.63% | 1.62% | 2.37% | 1.73% | +6 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 | 20.31% | 20.50% | 20.33% | 22.34% | 20.45% | 19.68% | 26.82% | 30.86% | +851 bps | |
| Equity / Assets | 15.33% | 15.82% | 16.03% | 14.84% | 14.53% | 16.11% | 14.83% | 14.67% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.70% | 111.74% | 98.31% | 76.07% | 85.08% | 105.46% | 59.50% | 43.80% | -3,227 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |