Bennet, NE · Cert 34053
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | -1.16% | -0.07% | 1.04% | 0.87% | 1.61% | 1.33% | 0.80% | -24 bps | |
| Return on Equity | 19.06% | -17.20% | -1.17% | 16.71% | 13.47% | 25.23% | 20.77% | 12.04% | -467 bps | |
| Net Interest Margin | 3.87% | 3.60% | 3.43% | 3.71% | 3.90% | 3.96% | 3.67% | 3.67% | -4 bps | |
| Efficiency Ratio | 70.85% | 76.82% | 81.79% | 77.40% | 81.55% | 69.02% | 69.28% | 81.75% | +436 bps | |
| Non-Interest Burden | 2.46% | 2.54% | 2.67% | 2.68% | 3.01% | 2.28% | 2.20% | 2.83% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.84% | 11.29% | 10.87% | 8.79% | 9.08% | 7.75% | 12.43% | 11.34% | +255 bps | |
| Loan Growth (YoY) | 3.56% | 4.10% | 7.10% | 5.47% | 5.77% | 6.65% | 8.93% | 13.28% | +781 bps | |
| Deposit Growth (YoY) | 10.33% | 13.48% | 13.56% | 10.12% | 10.62% | 11.02% | 14.51% | 15.08% | +496 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 | 0.19% | 3.71% | 0.10% | 0.05% | 0.18% | 0.43% | -0.06% | -0.01% | -6 bps | |
| Allowance / Loans | 0.69% | 0.65% | 0.97% | 0.95% | 0.88% | 0.78% | 0.80% | 0.77% | -18 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 | 11.40% | 10.96% | 10.64% | 10.96% | 10.82% | 9.76% | 10.40% | 10.28% | -68 bps | |
| Equity / Assets | 6.97% | 6.57% | 6.10% | 6.37% | 6.56% | 6.24% | 6.51% | 6.74% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.03% | 71.91% | 67.30% | 69.53% | 71.74% | 69.08% | 64.02% | 68.44% | -108 bps | |
| Liquid Assets / Assets | 28.20% | 28.33% | 34.32% | 33.59% | 31.87% | 32.17% | 32.67% | 31.33% | -226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |