Weston, NE · Charter 66277
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Weston, NE · Charter 66277
Q2 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.10% | 0.40% | 0.24% | -9.40% | -6.50% | 0.39% | 0.41% | +17 bps | |
| Return on Equity | 6.90% | 5.99% | 2.13% | 1.20% | -66.01% | -49.74% | 2.81% | 3.14% | +193 bps | |
| Net Interest Margin | 5.22% | 4.93% | 4.61% | 5.11% | 5.19% | 4.80% | 5.58% | 4.96% | -15 bps | |
| Efficiency Ratio | 77.47% | 80.17% | 92.07% | 95.83% | 97.85% | 98.76% | 93.77% | 92.44% | -339 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.33% | 5.89% | 1.91% | -4.46% | -10.00% | -6.12% | -8.73% | 1.43% | +589 bps | |
| Loan Growth (YoY) | 5.87% | 8.89% | 10.52% | 1.84% | -9.33% | -23.07% | -33.79% | -32.31% | -3,415 bps | |
| Share Growth (YoY) | -1.80% | 5.68% | 0.70% | -6.31% | -4.74% | -0.30% | -3.40% | 9.67% | +1,598 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.09% | 0.39% | 0.51% | 5.88% | 0.00% | 0.00% | 0.00% | -51 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 | 0.59% | 0.58% | 0.56% | 0.61% | 9.98% | 6.32% | 10.53% | 11.39% | +1,078 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.01% | 18.36% | 18.90% | 19.85% | 14.23% | 13.06% | 13.86% | 13.20% | -665 bps | |
| Net Worth / Assets | 19.01% | 18.36% | 18.90% | 19.85% | 14.23% | 13.06% | 13.86% | 13.20% | -665 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.12% | 91.42% | 98.11% | 96.63% | 89.58% | 70.54% | 67.25% | 59.65% | -3,699 bps | |
| Liquid Assets / Assets | 20.55% | 22.69% | 17.57% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |