Grand Island, NE · Cert 33900
FDIC
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.64% | 1.57% | 1.48% | 1.39% | 1.20% | 1.27% | 1.55% | 1.40% | +1 bps | |
| Return on Equity | 17.37% | 16.83% | 16.46% | 15.25% | 13.03% | 13.94% | 16.78% | 15.01% | -23 bps | |
| Net Interest Margin | 4.08% | 4.01% | 3.64% | 3.52% | 3.48% | 3.46% | 3.64% | 3.61% | +9 bps | |
| Efficiency Ratio | 54.69% | 56.15% | 56.47% | 59.18% | 59.93% | 60.83% | 56.85% | 59.57% | +40 bps | |
| Non-Interest Burden | 1.66% | 1.67% | 1.44% | 1.46% | 1.51% | 1.51% | 1.40% | 1.58% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.45% | 3.81% | 4.04% | 5.16% | 2.36% | 0.71% | -0.26% | -2.70% | -785 bps | |
| Loan Growth (YoY) | 3.75% | -0.30% | -3.82% | -5.27% | -6.34% | -3.49% | 1.64% | 2.12% | +738 bps | |
| Deposit Growth (YoY) | 4.93% | 3.27% | 3.89% | 4.62% | 1.59% | -0.17% | -2.11% | -4.07% | -868 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 | 0.05% | 0.08% | 0.00% | 0.14% | 0.41% | 0.36% | 0.29% | 0.21% | +7 bps | |
| Allowance / Loans | 1.30% | 1.44% | 1.52% | 1.48% | 1.54% | 1.53% | 1.43% | 1.40% | -9 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 | 12.96% | 11.90% | 12.14% | 12.51% | 12.56% | 11.76% | 11.84% | 12.31% | -20 bps | |
| Equity / Assets | 9.87% | 8.80% | 9.18% | 9.38% | 9.41% | 8.95% | 9.53% | 9.50% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.95% | 72.57% | 70.25% | 69.75% | 70.02% | 70.16% | 72.94% | 74.24% | +449 bps | |
| Liquid Assets / Assets | 8.62% | 8.35% | 10.61% | 10.59% | 8.82% | 7.90% | 7.11% | 6.16% | -442 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |