Albion, NE · Cert 5372
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 | 1.08% | 1.18% | 1.21% | 1.21% | 1.21% | 0.95% | 0.96% | 1.01% | -20 bps | |
| Return on Equity | 11.34% | 12.34% | 12.48% | 12.51% | 12.64% | 10.41% | 10.58% | 11.17% | -134 bps | |
| Net Interest Margin | 3.28% | 3.45% | 3.46% | 3.40% | 3.29% | 2.99% | 2.94% | 2.94% | -46 bps | |
| Efficiency Ratio | 61.62% | 62.54% | 61.76% | 61.86% | 61.48% | 66.72% | 65.30% | 63.75% | +188 bps | |
| Non-Interest Burden | 1.81% | 1.88% | 1.89% | 1.86% | 1.78% | 1.80% | 1.74% | 1.67% | -19 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 | 0.34% | 0.87% | 0.41% | 0.24% | 0.20% | 0.15% | -0.01% | -0.01% | -25 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 |