Friend, NE · Cert 5404
FDIC
Q1 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.60% | 0.67% | 0.53% | 0.46% | 0.89% | 1.21% | 0.61% | +8 bps | |
| Return on Equity | 5.35% | 6.39% | 7.16% | 5.65% | 4.92% | 9.38% | 12.50% | 5.99% | +34 bps | |
| Net Interest Margin | 3.16% | 3.17% | 3.26% | 3.25% | 3.38% | 3.47% | 3.46% | 2.37% | -88 bps | |
| Efficiency Ratio | 79.62% | 77.20% | 76.47% | 79.54% | 75.38% | 66.82% | 62.15% | 76.95% | -259 bps | |
| Non-Interest Burden | 2.48% | 2.40% | 2.44% | 2.53% | 2.49% | 2.24% | 1.99% | 1.78% | -75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.50% | 13.30% | 6.95% | -1.63% | -4.96% | -7.43% | -5.79% | -0.18% | +145 bps | |
| Loan Growth (YoY) | -1.22% | 2.18% | 6.99% | 0.40% | 5.76% | 8.85% | -8.08% | -22.09% | -2,249 bps | |
| Deposit Growth (YoY) | -0.49% | -2.56% | 3.52% | -0.98% | -6.63% | 0.29% | -6.67% | 0.17% | +115 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% | 0.01% | 0.00% | 0.00% | 0.00% | -0.09% | 0.00% | 0 bps | |
| Allowance / Loans | 1.05% | 1.04% | 1.05% | 1.15% | 1.40% | 1.31% | 1.64% | 2.02% | +87 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 | 14.58% | 13.96% | 13.72% | 14.66% | 14.20% | 13.90% | 15.89% | 18.22% | +356 bps | |
| Equity / Assets | 9.01% | 9.07% | 9.22% | 9.53% | 9.33% | 10.01% | 10.26% | 10.05% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.72% | 93.62% | 87.78% | 86.72% | 90.29% | 101.61% | 86.46% | 67.44% | -1,927 bps | |
| Liquid Assets / Assets | 9.01% | 10.42% | 8.88% | 7.20% | 5.94% | 4.88% | 1.77% | 1.72% | -548 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |