Falls City, NE · Cert 34170
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Falls City, NE · Cert 34170
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 | 5.11% | 5.19% | 4.95% | 5.13% | 5.12% | 5.00% | 4.19% | 4.62% | -50 bps | |
| Return on Equity | 32.11% | 32.75% | 31.46% | 32.47% | 32.41% | 30.39% | 20.56% | 22.31% | -1,016 bps | |
| Net Interest Margin | 10.51% | 10.56% | 10.66% | 10.36% | 10.18% | 12.99% | 11.44% | 11.43% | +107 bps | |
| Efficiency Ratio | 37.17% | 37.07% | 37.41% | 35.48% | 35.74% | 34.33% | 36.57% | 32.68% | -280 bps | |
| Non-Interest Burden | -0.46% | -0.52% | -0.43% | -1.05% | -1.14% | -1.12% | 1.60% | 0.88% | +193 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.62% | -3.28% | 0.14% | 0.17% | -0.95% | -23.01% | -25.85% | -26.72% | -2,689 bps | |
| Loan Growth (YoY) | -3.15% | -2.80% | -0.96% | -0.86% | -0.25% | -24.63% | -25.77% | -26.97% | -2,611 bps | |
| Deposit Growth (YoY) | -52.45% | -5.98% | -9.55% | -15.77% | 4.71% | -26.79% | -6.03% | 1.50% | +1,727 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 | 3.06% | 2.94% | 3.49% | 3.38% | 3.21% | 3.99% | 3.52% | 3.40% | +2 bps | |
| Allowance / Loans | 2.03% | 1.98% | 2.07% | 2.04% | 2.04% | 2.21% | 2.34% | 2.35% | +30 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 | 17.32% | 16.76% | 17.07% | 17.11% | 17.01% | 21.09% | 22.17% | 22.78% | +567 bps | |
| Equity / Assets | 16.04% | 15.59% | 15.89% | 15.89% | 15.78% | 19.79% | 20.98% | 21.46% | +557 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 28999% | 22166% | 26240% | 29772% | 27625% | 22821% | 20729% | 21423% | -834,978 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |