Silver Creek, NE · Cert 8353
FDIC
Q2 2003
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 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.26% | 5.11% | 3.15% | 2.57% | 2.25% | 1.31% | 0.98% | -217 bps | |
| Return on Equity | n/a | n/a | 60.15% | 36.84% | 29.79% | 26.28% | 15.42% | 11.27% | -2,557 bps | |
| Net Interest Margin | 4.81% | 4.96% | 5.41% | 5.30% | 5.25% | 5.44% | 5.47% | 5.11% | -19 bps | |
| Efficiency Ratio | 63.17% | 65.39% | 32.13% | 42.10% | 46.22% | 52.05% | 54.55% | 60.24% | +1,814 bps | |
| Non-Interest Burden | 2.79% | 3.01% | -1.02% | 0.95% | 1.58% | 2.20% | 2.71% | 2.85% | +190 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.96% | 5.18% | 14.54% | 18.95% | 12.52% | 3.40% | 6.37% | -2.80% | -2,174 bps | |
| Loan Growth (YoY) | 31.70% | 37.11% | 46.67% | 25.78% | 20.20% | 14.17% | 6.36% | -2.90% | -2,868 bps | |
| Deposit Growth (YoY) | 8.81% | 3.84% | 3.37% | 9.44% | 0.72% | 2.46% | 5.83% | -4.96% | -1,440 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 | 0.02% | 0.15% | 0.00% | -0.05% | 0.16% | 0.27% | 0.00% | 0.05% | +10 bps | |
| Allowance / Loans | 1.93% | 1.69% | 1.74% | 1.83% | 1.71% | 1.61% | 1.88% | 2.19% | +36 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 | 14.36% | 12.12% | 12.98% | 12.97% | 12.89% | 11.64% | 12.54% | 13.36% | +39 bps | |
| Equity / Assets | 9.57% | 8.17% | 8.84% | 8.69% | 8.82% | 8.28% | 8.72% | 9.22% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.14% | 100.68% | 105.69% | 103.97% | 113.53% | 112.19% | 106.21% | 106.23% | +225 bps | |
| Liquid Assets / Assets | 9.46% | 6.70% | 6.92% | 5.27% | 5.01% | 2.33% | 2.29% | 3.08% | -219 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |