Wayne, NE · Cert 33235
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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.
Wayne, NE · Cert 33235
FDIC
Q2 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.49% | 1.52% | 1.28% | 1.22% | 1.16% | 1.45% | 1.02% | -26 bps | |
| Return on Equity | 18.17% | 17.36% | 16.84% | 14.46% | 13.67% | 12.86% | 15.67% | 11.06% | -340 bps | |
| Net Interest Margin | 3.68% | 3.80% | 3.70% | 3.69% | 3.69% | 3.77% | 3.61% | 3.63% | -6 bps | |
| Efficiency Ratio | 55.46% | 56.26% | 58.09% | 60.80% | 59.29% | 60.32% | 53.83% | 64.18% | +338 bps | |
| Non-Interest Burden | 1.93% | 2.02% | 2.06% | 2.16% | 2.09% | 2.17% | 1.83% | 2.24% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.58% | -2.52% | -2.86% | -4.13% | 4.09% | 4.70% | 3.56% | 2.81% | +694 bps | |
| Loan Growth (YoY) | 6.96% | 7.39% | 0.35% | -6.78% | -3.62% | -7.95% | -5.61% | 3.31% | +1,009 bps | |
| Deposit Growth (YoY) | -13.09% | -4.94% | -4.99% | -5.03% | 4.67% | 5.11% | -1.69% | -7.92% | -289 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% | 1.09% | 0.56% | 0.40% | 0.31% | 0.00% | 0.00% | -56 bps | |
| Allowance / Loans | 1.35% | 1.43% | 1.13% | 1.27% | 1.57% | 1.77% | 1.77% | 1.75% | +48 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 | 12.21% | 11.72% | 11.79% | 11.93% | 13.17% | 13.69% | 13.56% | 13.05% | +112 bps | |
| Equity / Assets | 9.29% | 9.07% | 8.99% | 8.53% | 9.21% | 9.28% | 9.24% | 9.25% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.48% | 91.93% | 90.62% | 85.93% | 84.23% | 80.51% | 87.01% | 96.41% | +1,048 bps | |
| Liquid Assets / Assets | 0.02% | 0.10% | 0.42% | 0.42% | 0.30% | 0.39% | 0.97% | 1.03% | +61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |