Loup City, NE · Cert 57296
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 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.
Loup City, NE · Cert 57296
FDIC
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.79% | 0.79% | 0.98% | 1.10% | 1.43% | 1.73% | 1.70% | +72 bps | |
| Return on Equity | 2.36% | 6.02% | 6.00% | 7.52% | 8.49% | 11.72% | 14.93% | 15.68% | +817 bps | |
| Net Interest Margin | 3.10% | 3.27% | 3.64% | 3.77% | 3.96% | 4.49% | 4.25% | 4.16% | +39 bps | |
| Efficiency Ratio | 86.23% | 73.72% | 70.95% | 66.87% | 65.54% | 57.77% | 52.33% | 50.07% | -1,681 bps | |
| Non-Interest Burden | 2.61% | 2.27% | 2.44% | 2.33% | 2.37% | 2.35% | 1.98% | 1.84% | -49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.18% | 9.94% | 16.37% | 8.94% | 14.11% | 22.87% | 41.55% | 65.07% | +5,613 bps | |
| Loan Growth (YoY) | 31.35% | 27.23% | 43.36% | 29.36% | 24.81% | 32.65% | 45.09% | 53.49% | +2,413 bps | |
| Deposit Growth (YoY) | 20.64% | 14.75% | 17.00% | 7.34% | 13.76% | 21.17% | 34.17% | 66.24% | +5,889 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 | 0.03% | 0.00% | 0.02% | 0.04% | 0.03% | 0.00% | 0.16% | 0.11% | +6 bps | |
| Allowance / Loans | 1.18% | 1.03% | 0.96% | 0.86% | 0.91% | 0.75% | 0.56% | 0.59% | -27 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 | 19.56% | 18.74% | 17.23% | 16.47% | 17.22% | 14.83% | 13.10% | 11.89% | -458 bps | |
| Equity / Assets | 13.38% | 12.99% | 12.93% | 12.77% | 12.94% | 11.61% | 10.55% | 9.12% | -364 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.99% | 86.07% | 92.20% | 100.86% | 87.77% | 94.22% | 99.70% | 93.12% | -773 bps | |
| Liquid Assets / Assets | 0.37% | 0.34% | 1.71% | 2.32% | 5.05% | 8.43% | 8.79% | 8.46% | +614 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |