Holbrook, NE · Cert 58217
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.09% | 1.74% | 2.25% | 1.09% | 0.97% | -0.50% | 2.39% | +14 bps | |
| Return on Equity | 6.38% | 0.45% | 10.30% | 13.11% | 6.34% | 5.64% | -2.82% | 13.46% | +35 bps | |
| Net Interest Margin | 2.46% | 2.63% | 2.43% | 2.41% | 3.32% | 3.17% | 2.98% | 2.93% | +52 bps | |
| Efficiency Ratio | 68.77% | 83.77% | 50.00% | 51.84% | 65.33% | 64.37% | 50.47% | 33.91% | -1,793 bps | |
| Non-Interest Burden | 0.77% | 1.99% | -0.49% | -1.26% | 1.59% | 1.50% | -0.10% | -3.68% | -243 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% | 0.00% | -0.03% | -0.03% | 0.00% | -0.06% | 8.63% | 5.67% | +570 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 |