Albion, NE · Cert 5372
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 1.18% | 1.25% | 1.24% | 1.24% | 0.95% | 0.97% | 1.10% | -14 bps | |
| Return on Equity | 8.16% | 12.34% | 12.53% | 12.70% | 13.01% | 10.41% | 10.84% | 12.28% | -41 bps | |
| Net Interest Margin | 3.15% | 3.45% | 3.48% | 3.49% | 3.37% | 2.99% | 2.96% | 2.99% | -50 bps | |
| Efficiency Ratio | 64.70% | 62.54% | 60.96% | 62.05% | 60.37% | 66.72% | 63.87% | 60.82% | -124 bps | |
| Non-Interest Burden | 1.83% | 1.88% | 1.90% | 1.92% | 1.78% | 1.80% | 1.72% | 1.56% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.68% | 1.02% | -0.69% | 1.04% | 2.08% | 14.36% | 15.29% | 11.70% | +1,066 bps | |
| Loan Growth (YoY) | 0.26% | 0.26% | 0.35% | 5.21% | 4.79% | 3.10% | 8.49% | 6.24% | +102 bps | |
| Deposit Growth (YoY) | 10.88% | -0.64% | -2.86% | 0.01% | 1.54% | 17.29% | 18.64% | 15.61% | +1,560 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 | 1.56% | 0.87% | -0.02% | -0.01% | 0.04% | 0.15% | -0.16% | -0.01% | 0 bps | |
| Allowance / Loans | 1.77% | 1.70% | 1.68% | 1.51% | 1.55% | 1.67% | 1.60% | 1.46% | -5 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 | 15.88% | 16.96% | 16.76% | 15.89% | 16.51% | 17.09% | 16.53% | 15.49% | -40 bps | |
| Equity / Assets | 9.12% | 10.07% | 9.87% | 9.66% | 9.35% | 8.85% | 9.08% | 8.81% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.26% | 60.31% | 62.27% | 69.60% | 60.13% | 53.01% | 56.94% | 63.96% | -564 bps | |
| Liquid Assets / Assets | 18.35% | 19.58% | 19.56% | 18.26% | 16.21% | 16.09% | 16.28% | 15.71% | -255 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |