Eustis, NE · Cert 8597
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 1.08% | 1.06% | 1.55% | -0.45% | 0.85% | 0.77% | 0.42% | -113 bps | |
| Return on Equity | 0.35% | 9.13% | 8.72% | 12.49% | -3.80% | 7.41% | 6.68% | 3.51% | -899 bps | |
| Net Interest Margin | 3.55% | 3.27% | 3.10% | 3.59% | 3.28% | 3.15% | 3.03% | 3.58% | -1 bps | |
| Efficiency Ratio | 92.15% | 63.16% | 69.26% | 54.36% | 107.17% | 63.81% | 67.02% | 62.85% | +849 bps | |
| Non-Interest Burden | 3.22% | 1.91% | 2.02% | 1.77% | 3.55% | 1.89% | 1.79% | 2.08% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.05% | 1.04% | 4.36% | 2.47% | 1.26% | 3.43% | 2.29% | -1.67% | -414 bps | |
| Loan Growth (YoY) | 4.62% | 4.11% | 3.79% | 5.38% | 3.97% | -1.27% | -5.23% | -1.12% | -650 bps | |
| Deposit Growth (YoY) | -1.13% | 0.59% | 3.60% | 2.37% | 2.19% | 5.19% | 4.64% | -0.59% | -296 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% | 0.10% | 0.87% | -0.05% | -0.07% | 0.00% | 0.05% | -0.05% | 0 bps | |
| Allowance / Loans | 1.95% | 1.95% | 1.67% | 1.56% | 1.67% | 1.78% | 1.78% | 1.60% | +3 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 | 17.11% | 18.02% | 18.04% | 17.75% | 17.37% | 18.16% | 18.60% | 17.93% | +18 bps | |
| Equity / Assets | 11.67% | 11.98% | 12.30% | 12.52% | 11.42% | 11.58% | 11.54% | 12.30% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.58% | 65.45% | 67.69% | 72.81% | 65.71% | 61.43% | 61.31% | 72.42% | -38 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 |