Kearney, NE · Cert 34028
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Kearney, NE · Cert 34028
FDIC
Q3 2011
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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.88% | 0.90% | 1.07% | 1.12% | 1.40% | 1.50% | 1.29% | +23 bps | |
| Return on Equity | 12.14% | 10.74% | 10.95% | 12.64% | 13.19% | 15.33% | 16.25% | 13.82% | +118 bps | |
| Net Interest Margin | 2.91% | 3.24% | 3.27% | 3.31% | 3.32% | 3.44% | 3.38% | 3.38% | +7 bps | |
| Efficiency Ratio | 55.80% | 58.16% | 52.78% | 52.14% | 50.21% | 48.25% | 47.31% | 51.91% | -22 bps | |
| Non-Interest Burden | 1.39% | 1.72% | 1.52% | 1.52% | 1.43% | 1.43% | 1.40% | 1.59% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.08% | 9.86% | 12.19% | 6.96% | 6.56% | 5.51% | 4.14% | 8.48% | +152 bps | |
| Loan Growth (YoY) | 7.45% | 11.37% | 16.96% | 10.75% | 7.61% | -0.02% | -2.84% | 0.55% | -1,020 bps | |
| Deposit Growth (YoY) | 9.25% | 7.80% | 9.97% | 6.79% | 6.48% | 2.56% | 4.65% | 8.79% | +200 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 | 0.17% | -0.16% | -0.04% | -0.04% | 0.27% | 0.04% | 0.13% | 0.48% | +52 bps | |
| Allowance / Loans | 1.67% | 1.81% | 1.88% | 2.03% | 1.90% | 2.05% | 2.09% | 2.01% | -2 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 | 11.77% | 11.91% | 12.09% | 12.60% | 13.00% | 13.43% | 13.54% | 13.58% | +98 bps | |
| Equity / Assets | 8.03% | 8.38% | 8.22% | 9.06% | 8.93% | 9.32% | 9.44% | 9.65% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.28% | 71.15% | 75.66% | 76.22% | 73.05% | 69.36% | 70.24% | 70.45% | -577 bps | |
| Liquid Assets / Assets | 0.45% | 0.49% | 0.44% | 0.32% | 0.31% | 0.30% | 0.41% | 0.37% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |