Pleasanton, NE · Cert 20489
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 1.10% | 1.06% | 1.08% | 0.27% | 0.70% | 0.86% | 0.95% | -13 bps | |
| Return on Equity | 1.30% | 9.62% | 9.05% | 9.08% | 2.32% | 6.27% | 7.98% | 9.09% | +1 bps | |
| Net Interest Margin | 3.29% | 3.83% | 3.71% | 3.84% | 3.68% | 3.38% | 3.36% | 3.27% | -57 bps | |
| Efficiency Ratio | 104.32% | 68.89% | 71.11% | 69.44% | 96.39% | 79.31% | 76.17% | 69.70% | +25 bps | |
| Non-Interest Burden | 3.47% | 2.40% | 2.40% | 2.45% | 3.51% | 2.54% | 2.33% | 2.00% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.31% | 16.50% | 5.24% | 2.47% | 8.57% | 6.51% | 22.20% | 16.77% | +1,430 bps | |
| Loan Growth (YoY) | -0.50% | -2.97% | -0.37% | 10.78% | 9.85% | 20.59% | 18.33% | 19.26% | +848 bps | |
| Deposit Growth (YoY) | 20.78% | 20.23% | 6.67% | 3.09% | 9.58% | 6.86% | 25.11% | 18.90% | +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 | -0.14% | 0.47% | 0.13% | 1.51% | -0.04% | 1.53% | 0.04% | 0.58% | -93 bps | |
| Allowance / Loans | 4.28% | 4.28% | 3.90% | 3.27% | 3.38% | 2.77% | 2.60% | 2.25% | -101 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 | 17.14% | 17.52% | 17.27% | 16.71% | 16.43% | 15.76% | 15.08% | 14.61% | -209 bps | |
| Equity / Assets | 11.66% | 11.26% | 12.07% | 11.81% | 11.12% | 11.18% | 10.37% | 10.54% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.08% | 59.80% | 68.57% | 70.50% | 64.23% | 67.48% | 64.85% | 70.71% | +21 bps | |
| Liquid Assets / Assets | 3.17% | 4.26% | 3.83% | 2.45% | 2.33% | 2.29% | 2.09% | 0.52% | -193 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |