Seward, NE · Charter 66120
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | -0.06% | 0.01% | 0.02% | 0.28% | 0.30% | 0.19% | -0.69% | -71 bps | |
| Return on Equity | 1.07% | -0.24% | 0.04% | 0.07% | 1.29% | 1.34% | 0.87% | -5.96% | -603 bps | |
| Net Interest Margin | 3.40% | 3.27% | 2.93% | 2.65% | 2.88% | 3.22% | 3.13% | 0.94% | -171 bps | |
| Efficiency Ratio | 92.43% | 101.77% | 84.51% | 89.73% | 90.78% | 90.97% | 94.19% | 168.62% | +7,888 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.99% | -7.64% | -3.58% | -6.35% | 9.97% | 6.58% | 5.24% | 100.43% | +10,678 bps | |
| Loan Growth (YoY) | -13.50% | -9.52% | -4.89% | 7.89% | 19.74% | 21.03% | 36.40% | -73.12% | -8,102 bps | |
| Share Growth (YoY) | -15.60% | -9.66% | -4.82% | -13.12% | 15.48% | 10.41% | -8.08% | 133.12% | +14,623 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.94% | 1.50% | 1.55% | 1.20% | 1.10% | 3.57% | 2.99% | 3.27% | +207 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 0.87% | 0.83% | 0.83% | 0.55% | 2.45% | +158 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.29% | 25.19% | 24.10% | 24.94% | 21.67% | 22.69% | 21.74% | 11.60% | -1,334 bps | |
| Net Worth / Assets | 25.29% | 25.19% | 24.10% | 24.94% | 21.67% | 22.69% | 21.74% | 11.60% | -1,334 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.54% | 104.67% | 99.14% | 128.21% | 107.36% | 114.74% | 147.11% | 14.78% | -11,343 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |