Valentine, NE · Cert 5485
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Valentine, NE · Cert 5485
FDIC
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.15% | -0.48% | -0.51% | -1.05% | 0.06%1 | -2.36% | -1.91% | -2.18% | -113 bps | |
| Return on Equity | -14.11% | -6.03% | -6.42% | -13.30% | 0.78% | -28.22% | -22.18% | -25.18% | -1,187 bps | |
| Net Interest Margin | 1.09% | 1.18% | 1.24% | 1.23% | 1.16% | 1.42% | 1.50% | 1.47% | +24 bps | |
| Efficiency Ratio | 154.13% | 116.52% | 122.44% | 133.47% | 145.48% | 434% | 341% | 299% | +16,588 bps | |
| Non-Interest Burden | 1.83% | 1.48% | 1.61% | 2.00% | 1.70% | 6.08% | 5.24% | 4.56% | +255 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.47% | 11.93% | 2.16% | -6.85% | -15.36% | -33.67% | -32.81% | -34.24% | -2,739 bps | |
| Loan Growth (YoY) | 9.66% | -3.68% | -14.08% | -20.80% | -20.70% | -28.69% | -30.99% | -29.38% | -859 bps | |
| Deposit Growth (YoY) | 37.23% | 17.03% | 3.68% | -8.37% | -17.22% | -17.79% | -17.55% | -18.28% | -991 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 | -0.16% | -0.08% | -0.06% | 2.28% | -0.01% | 0.60% | 0.78% | 0.61% | -167 bps | |
| Allowance / Loans | 1.17% | 1.17% | 1.26% | 1.36% | 1.43% | 1.54% | 1.73% | 1.86% | +49 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 | 14.04% | 14.79% | 14.93% | 12.82% | 13.73% | 13.53% | 14.01% | 14.79% | +198 bps | |
| Equity / Assets | 8.21% | 7.80% | 7.68% | 7.71% | 8.35% | 9.29% | 9.47% | 9.02% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.33% | 65.19% | 61.41% | 58.53% | 62.59% | 56.55% | 51.40% | 50.57% | -795 bps | |
| Liquid Assets / Assets | 4.13% | 3.84% | 3.38% | 2.94% | 15.86% | 12.96% | 15.25% | 18.02% | +1,508 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |