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Coleridge National Bank, The

Coleridge, NE · Cert 5392

FDIC

Q2 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2005, the quarter ended June 30, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Coleridge National Bank, The

Coleridge, NE · Cert 5392

FDIC

Q2 2005

$32.6MAssets
$18.5MLoans
$26.3MDeposits
$2.8MEquity
Deposit mix
91%Interest-bearing $23.9M9%Noninterest $2.3MQ2 2004Q2 2005

NIM

6.04%Q2 ’035.58%Q2 ’046.05%Q2 ’05-1%+1%

Non-interest income vs. expense

2.45%Q2 ’032.38%Q2 ’042.67%Q2 ’05-4%+15%

Executive Summary

  • Earnings: ROA of -0.26%, down 159 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.15%.
  • Funding: loans stand at 70.46% of deposits as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

-0.26%-159 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+3 bps YoY

Efficiency Ratio (YTD, annualized)

65.04%+679 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets1.32%1.42%1.35%1.14%-0.26%-159 bps
Return on Equity16.04%17.07%16.21%13.14%-2.99%-1,904 bps
Net Interest Margin3.81%3.88%3.92%3.92%3.85%+3 bps
Efficiency Ratio58.25%57.32%59.24%65.22%65.04%+679 bps
Non-Interest Burden2.11%2.11%2.22%2.46%2.42%+31 bps
Growth
Asset Growth (YoY)7.15%7.30%6.66%0.65%-3.49%-1,064 bps
Loan Growth (YoY)2.89%12.66%9.79%4.20%5.88%+299 bps
Deposit Growth (YoY)6.42%2.33%4.95%1.18%-1.50%-793 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.15%0.11%0.25%4.15%+411 bps
Allowance / Loans2.48%2.28%2.53%2.53%2.24%-25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.57%15.50%16.39%18.15%16.94%+138 bps
Equity / Assets7.63%8.47%8.46%8.97%8.69%+106 bps
Liquidity & Funding
Loans / Deposits65.54%68.87%58.78%58.78%70.46%+491 bps
Liquid Assets / Assets0.17%0.08%0.02%0.03%0.00%-17 bps
CRE / Total Capitaln/an/an/an/an/an/an/a