Elwood, NE · Cert 5398
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.63% | 0.79% | 0.38% | 0.43% | 1.05% | 1.54% | -0.78% | -116 bps | |
| Return on Equity | n/a | 3.66% | 4.52% | 2.24% | 2.58% | 6.20% | 8.86% | -4.52% | -676 bps | |
| Net Interest Margin | 2.92% | 2.95% | 3.04% | 3.27% | 3.06% | 3.17% | 3.52% | 3.61% | +34 bps | |
| Efficiency Ratio | 88.13% | 78.40% | 70.30% | 90.16% | 86.13% | 75.00% | 63.96% | 112.92% | +2,275 bps | |
| Non-Interest Burden | 2.56% | 2.27% | 2.09% | 2.93% | 2.61% | 2.34% | 2.19% | 4.11% | +119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.07% | -6.07% | -3.79% | 5.85% | 3.68% | 5.44% | 3.97% | 1.67% | -418 bps | |
| Loan Growth (YoY) | 3.87% | 0.49% | 8.12% | 0.53% | 0.30% | -2.81% | -0.59% | -8.70% | -923 bps | |
| Deposit Growth (YoY) | -6.92% | -3.42% | -5.74% | 6.03% | 4.07% | 5.79% | 3.92% | 1.32% | -471 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.77% | 2.39% | 2.20% | 2.47% | 2.76% | 2.46% | 2.21% | 2.71% | +24 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 | 45.25% | 41.57% | 40.64% | 43.79% | 45.49% | 40.90% | 39.77% | 42.99% | -80 bps | |
| Equity / Assets | 17.00% | 17.23% | 17.58% | 16.53% | 16.82% | 17.05% | 17.74% | 16.83% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.15% | 36.48% | 39.88% | 32.87% | 30.02% | 33.52% | 38.15% | 29.62% | -325 bps | |
| Liquid Assets / Assets | 45.33% | 49.14% | 51.24% | 51.39% | 60.41% | 59.28% | 54.87% | 60.39% | +900 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |