Albion, NE · Cert 5371
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Albion, NE · Cert 5371
FDIC
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.59% | 0.68% | 0.70% | 0.55% | 0.83% | 0.79% | 0.67% | -3 bps | |
| Return on Equity | 5.24% | 4.84% | 5.45% | 5.59% | 4.44% | 6.92% | 6.45% | 5.42% | -17 bps | |
| Net Interest Margin | 3.40% | 3.23% | 3.21% | 3.35% | 3.36% | 3.53% | 3.44% | 3.54% | +19 bps | |
| Efficiency Ratio | 70.92% | 75.23% | 71.76% | 71.07% | 77.85% | 67.02% | 67.92% | 72.49% | +142 bps | |
| Non-Interest Burden | 2.30% | 2.37% | 2.22% | 2.29% | 2.54% | 2.26% | 2.24% | 2.47% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.37% | -1.32% | 0.34% | 1.08% | 5.36% | 1.84% | 3.17% | 3.33% | +225 bps | |
| Loan Growth (YoY) | 1.37% | -3.91% | 2.15% | 1.15% | 1.08% | 0.44% | -0.72% | 2.81% | +166 bps | |
| Deposit Growth (YoY) | 1.00% | -1.69% | -0.06% | -2.02% | 5.87% | 2.05% | 3.90% | 5.22% | +724 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 | 0.02% | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.08% | +7 bps | |
| Allowance / Loans | 1.25% | 1.32% | 1.23% | 1.18% | 1.23% | 1.32% | 1.24% | 1.09% | -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 | 20.10% | 21.29% | 20.66% | 20.08% | 19.92% | 21.67% | 20.86% | 19.57% | -51 bps | |
| Equity / Assets | 12.08% | 12.48% | 12.73% | 12.88% | 11.66% | 12.47% | 12.68% | 12.67% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.04% | 63.59% | 69.77% | 74.06% | 63.05% | 62.59% | 66.66% | 72.36% | -170 bps | |
| Liquid Assets / Assets | 15.62% | 17.23% | 20.17% | 18.26% | 16.60% | 18.79% | 21.34% | 20.97% | +271 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |