Falls City, NE · Cert 34170
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.49% | 5.44% | 4.95% | 5.34% | 5.10% | 4.22% | 4.19% | 5.13% | -21 bps | |
| Return on Equity | 32.93% | 34.39% | 31.46% | 33.61% | 32.23% | 24.07% | 20.56% | 24.17% | -944 bps | |
| Net Interest Margin | 10.28% | 10.65% | 10.66% | 9.95% | 10.00% | 11.53% | 11.44% | 11.17% | +122 bps | |
| Efficiency Ratio | 33.65% | 36.78% | 37.41% | 33.49% | 36.25% | 28.18% | 36.57% | 28.70% | -479 bps | |
| Non-Interest Burden | -1.28% | -0.67% | -0.43% | -1.67% | -1.32% | 0.05% | 1.60% | 0.12% | +179 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 | 3.11% | 2.79% | 3.49% | 3.31% | 2.90% | 3.52% | 3.52% | 3.28% | -4 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 |