Coleridge, NE · Cert 5392
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Coleridge, NE · Cert 5392
FDIC
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.49% | 1.41% | 1.32% | 1.42% | 1.35% | 1.14% | -0.26% | -159 bps | |
| Return on Equity | 16.96% | 17.86% | 16.44% | 16.04% | 17.07% | 16.21% | 13.14% | -2.99% | -1,904 bps | |
| Net Interest Margin | 3.85% | 3.83% | 3.97% | 3.81% | 3.88% | 3.92% | 3.92% | 3.85% | +3 bps | |
| Efficiency Ratio | 57.73% | 58.06% | 56.30% | 58.25% | 57.32% | 59.24% | 65.22% | 65.04% | +679 bps | |
| Non-Interest Burden | 2.13% | 2.13% | 2.11% | 2.11% | 2.11% | 2.22% | 2.46% | 2.42% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.88% | 12.47% | 7.31% | 7.15% | 7.30% | 6.66% | 0.65% | -3.49% | -1,064 bps | |
| Loan Growth (YoY) | -3.17% | -3.73% | -2.21% | 2.89% | 12.66% | 9.79% | 4.20% | 5.88% | +299 bps | |
| Deposit Growth (YoY) | 10.54% | 8.18% | 7.17% | 6.42% | 2.33% | 4.95% | 1.18% | -1.50% | -793 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 | -0.08% | -0.07% | 0.10% | 0.05% | 0.15% | 0.11% | 0.25% | 4.15% | +411 bps | |
| Allowance / Loans | 2.62% | 2.87% | 2.80% | 2.48% | 2.28% | 2.53% | 2.53% | 2.24% | -25 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 | 14.42% | 15.78% | 16.41% | 15.57% | 15.50% | 16.39% | 18.15% | 16.94% | +138 bps | |
| Equity / Assets | 8.08% | 8.25% | 8.94% | 7.63% | 8.47% | 8.46% | 8.97% | 8.69% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.56% | 56.18% | 57.07% | 65.54% | 68.87% | 58.78% | 58.78% | 70.46% | +491 bps | |
| Liquid Assets / Assets | 0.02% | 0.07% | 0.21% | 0.17% | 0.08% | 0.02% | 0.03% | 0.00% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |