Belden, NE · Cert 5385
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Belden, NE · Cert 5385
FDIC
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.91% | 1.98% | 1.95% | 1.85% | 1.91% | 1.89% | 1.97% | 2.24% | +39 bps | |
| Return on Equity | 19.20% | 20.02% | 21.06% | 20.03% | 20.49% | 20.14% | 20.97% | 23.48% | +344 bps | |
| Net Interest Margin | 4.79% | 4.49% | 4.52% | 4.40% | 4.50% | 4.34% | 4.31% | 4.67% | +28 bps | |
| Efficiency Ratio | 62.13% | 60.02% | 58.46% | 60.65% | 60.45% | 60.74% | 56.53% | 54.69% | -596 bps | |
| Non-Interest Burden | 2.87% | 2.59% | 2.54% | 2.57% | 2.62% | 2.54% | 2.31% | 2.41% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.02% | 10.54% | 7.34% | 10.49% | 12.06% | 8.57% | 8.10% | 5.43% | -505 bps | |
| Loan Growth (YoY) | -2.58% | 8.70% | 13.07% | 10.49% | 18.92% | 5.34% | 12.32% | 9.96% | -53 bps | |
| Deposit Growth (YoY) | 6.90% | 11.12% | 8.34% | 11.69% | 12.15% | 5.74% | 4.45% | 2.37% | -932 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 | -0.75% | -0.54% | -0.06% | -0.06% | -0.08% | -0.07% | -0.01% | -0.03% | +3 bps | |
| Allowance / Loans | 1.92% | 1.75% | 1.75% | 1.77% | 1.71% | 1.73% | 1.62% | 1.67% | -10 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 | 12.82% | 11.83% | 11.27% | 11.73% | 11.78% | 12.29% | 11.19% | 12.09% | +36 bps | |
| Equity / Assets | 10.16% | 9.58% | 8.94% | 9.24% | 9.49% | 9.68% | 9.08% | 9.89% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.20% | 95.87% | 94.21% | 93.18% | 96.71% | 95.51% | 101.30% | 100.08% | +691 bps | |
| Liquid Assets / Assets | 2.29% | 2.14% | 2.11% | 2.04% | 1.98% | 1.47% | 1.45% | 1.46% | -57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |