Kearney, NE · Cert 22191
FDIC
Q4 2007
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 | 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% | 1.19% | 1.16% | 1.10% | 0.19% | 0.57% | 0.76% | 0.31% | -79 bps | |
| Return on Equity | 16.08% | 15.76% | 14.91% | 13.85% | 1.72% | 4.58% | 5.73% | 2.23% | -1,163 bps | |
| Net Interest Margin | 3.83% | 3.80% | 3.78% | 3.66% | 0.69% | 2.12% | 2.66% | 2.93% | -73 bps | |
| Efficiency Ratio | 55.16% | 54.08% | 55.52% | 56.93% | 62.07% | 58.60% | 57.25% | 63.15% | +622 bps | |
| Non-Interest Burden | 1.77% | 1.63% | 1.69% | 1.70% | 0.43% | 1.23% | 1.47% | 2.01% | +31 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% | 0.60% | 0.52% | 0.48% | -0.03% | 0.00% | 0.08% | 1.30% | +81 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 |