Kearney, NE · Cert 22191
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.16% | 1.07% | 0.92% | 0.19% | 0.93% | 1.15% | -1.11% | -204 bps | |
| Return on Equity | 16.08% | 15.66% | 13.56% | 10.89% | 1.72% | 6.55% | 7.45% | -7.00% | -1,789 bps | |
| Net Interest Margin | 3.83% | 3.74% | 3.71% | 3.40% | 0.69% | 3.52% | 3.59% | 3.51% | +10 bps | |
| Efficiency Ratio | 55.16% | 53.02% | 58.52% | 61.51% | 62.07% | 57.88% | 55.68% | 86.92% | +2,541 bps | |
| Non-Interest Burden | 1.77% | 1.48% | 1.80% | 1.76% | 0.43% | 2.02% | 1.86% | 3.50% | +174 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.85% | -2.57% | -2.60% | -3.92% | 2.40% | -1.43% | -3.38% | -1.73% | +220 bps | |
| Loan Growth (YoY) | -0.22% | -3.51% | -4.02% | -5.37% | -8.67% | -6.50% | -9.66% | -11.26% | -589 bps | |
| Deposit Growth (YoY) | -4.96% | -6.27% | -3.90% | -2.10% | -3.16% | -5.03% | -10.94% | -10.33% | -823 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 | 0.03% | 1.16% | 0.37% | 0.33% | -0.03% | 0.02% | 0.25% | 4.93% | +460 bps | |
| Allowance / Loans | 1.22% | 1.11% | 1.11% | 1.16% | 1.23% | 1.25% | 1.21% | 0.86% | -29 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 | 11.69% | 11.98% | 12.23% | 12.75% | 9.10% | 10.49% | 11.19% | 10.63% | -212 bps | |
| Equity / Assets | 7.37% | 7.49% | 8.35% | 8.64% | 13.71% | 14.84% | 16.18% | 15.67% | +703 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.02% | 73.75% | 76.70% | 72.18% | 70.75% | 72.61% | 77.80% | 71.43% | -75 bps | |
| Liquid Assets / Assets | 5.38% | 4.98% | 4.98% | 4.74% | 0.00% | 0.00% | 0.00% | 0.00% | -474 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |