Holbrook, NE · Cert 58217
FDIC
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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.
Holbrook, NE · Cert 58217
FDIC
Q4 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 0.66% | 1.07% | 1.40% | 1.09% | 1.04% | 0.54% | 1.00% | -41 bps | |
| Return on Equity | 6.38% | 3.42% | 5.72% | 7.63% | 6.34% | 6.02% | 3.08% | 5.69% | -194 bps | |
| Net Interest Margin | 2.46% | 2.49% | 2.29% | 2.26% | 3.32% | 3.21% | 3.22% | 3.13% | +87 bps | |
| Efficiency Ratio | 68.77% | 75.24% | 64.65% | 60.03% | 65.33% | 64.86% | 59.32% | 49.56% | -1,047 bps | |
| Non-Interest Burden | 0.77% | 1.36% | 0.65% | 0.16% | 1.59% | 1.53% | 1.02% | -0.16% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.86% | 37.21% | 37.66% | 29.62% | 39.67% | 6.53% | 0.16% | 3.70% | -2,592 bps | |
| Loan Growth (YoY) | 22.42% | 36.32% | 37.94% | 23.57% | 32.25% | 9.19% | 7.57% | 3.52% | -2,005 bps | |
| Deposit Growth (YoY) | 24.21% | 19.00% | 19.95% | 6.64% | 6.23% | 14.43% | 14.26% | 27.22% | +2,057 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 | -0.04% | -0.02% | -0.02% | -0.02% | 0.00% | -0.03% | 2.86% | 3.64% | +366 bps | |
| Allowance / Loans | 1.10% | 1.07% | 1.17% | 1.29% | 1.26% | 1.45% | 1.76% | 1.86% | +57 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 | 19.05% | 16.33% | 16.78% | 17.62% | 16.78% | 18.49% | 15.48% | 19.36% | +174 bps | |
| Equity / Assets | 21.23% | 16.92% | 16.87% | 17.42% | 16.98% | 17.61% | 17.79% | 17.76% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.68% | 103.04% | 107.45% | 106.60% | 110.40% | 98.32% | 101.16% | 86.74% | -1,986 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.74% | 2.48% | +248 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |