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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

6.01%Q2 ’035.64%Q2 ’046.07%Q2 ’050%-2%

Non-interest income vs. expense

2.52%Q2 ’032.47%Q2 ’042.60%Q2 ’05-3%+7%

Executive Summary

  • Earnings: ROA of -1.72%, down 298 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 8.09%.
  • Funding: loans stand at 70.46% of deposits as of Q2 2005.

Financial Results

Return on Assets (quarter, annualized)

-1.72%-298 bps YoY

Net Interest Margin (quarter, annualized)

3.78%-6 bps YoY

Efficiency Ratio (quarter, annualized)

64.85%+467 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets1.26%1.59%1.16%1.14%-1.72%-298 bps
Return on Equity15.28%19.75%13.72%13.14%-19.45%-3,474 bps
Net Interest Margin3.84%4.13%4.00%3.92%3.78%-6 bps
Efficiency Ratio60.17%55.61%64.90%65.22%64.85%+467 bps
Non-Interest Burden2.21%2.18%2.51%2.46%2.37%+16 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 / Loans0.00%0.35%-0.02%0.25%8.09%+809 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