Benkelman, NE · Cert 8337
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.97% | 2.05% | 1.54% | 2.01% | 2.31% | 2.49% | 2.49% | 2.45% | +44 bps | |
| Return on Equity | 16.57% | 17.16% | 13.53% | 17.81% | 20.35% | 22.86% | 26.10% | 24.72% | +691 bps | |
| Net Interest Margin | 4.30% | 4.32% | 3.39% | 3.95% | 4.33% | 4.32% | 4.42% | 4.47% | +52 bps | |
| Efficiency Ratio | 52.00% | 50.42% | 62.37% | 53.30% | 49.02% | 46.62% | 45.95% | 46.23% | -707 bps | |
| Non-Interest Burden | 1.91% | 1.86% | 1.92% | 1.85% | 1.82% | 1.70% | 1.70% | 1.72% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.13% | -16.75% | 4.59% | 6.03% | 7.67% | 3.05% | 3.42% | 0.80% | -524 bps | |
| Loan Growth (YoY) | -21.78% | -17.66% | 6.89% | 4.67% | 8.39% | 2.97% | -8.89% | -3.68% | -835 bps | |
| Deposit Growth (YoY) | -2.55% | -1.32% | -2.87% | 4.25% | 3.57% | 1.99% | 4.01% | 4.63% | +39 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 | 0.18% | 0.12% | 2.04% | 1.11% | 0.70% | 0.35% | 1.66% | 0.84% | -26 bps | |
| Allowance / Loans | 1.84% | 1.69% | 1.25% | 1.42% | 1.41% | 1.50% | 1.38% | 1.51% | +9 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 | 16.26% | 15.07% | 13.39% | 14.53% | 14.70% | 11.80% | 13.65% | 14.91% | +38 bps | |
| Equity / Assets | 12.94% | 12.12% | 10.58% | 11.15% | 11.56% | 9.20% | 9.86% | 10.76% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.46% | 91.20% | 93.15% | 79.87% | 85.25% | 92.08% | 81.59% | 73.52% | -635 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |