Shelton, NE · Cert 8600
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Shelton, NE · Cert 8600
FDIC
Q3 2011
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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.95% | 0.77% | 0.44% | 0.32% | 0.01%1 | 0.54% | 0.26% | 0.34% | +2 bps | |
| Return on Equity | -20.85% | 8.54% | 4.76% | 3.37% | 0.10% | 5.58% | 2.64% | 3.39% | +2 bps | |
| Net Interest Margin | 4.04% | 3.72% | 3.58% | 3.81% | 3.58% | 3.41% | 3.36% | 3.43% | -39 bps | |
| Efficiency Ratio | 83.05% | 80.76% | 92.61% | 90.66% | 97.83% | 84.75% | 90.77% | 96.34% | +568 bps | |
| Non-Interest Burden | 3.15% | 2.84% | 3.27% | 3.38% | 3.49% | 2.78% | 2.98% | 3.28% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.10% | -11.98% | -14.33% | -7.85% | -10.33% | -4.12% | -7.07% | -5.42% | +243 bps | |
| Loan Growth (YoY) | -9.43% | -17.46% | -18.19% | -20.25% | -17.18% | -25.96% | -22.22% | -18.29% | +196 bps | |
| Deposit Growth (YoY) | -11.86% | -11.79% | -10.71% | -8.70% | -6.75% | 0.37% | -2.92% | -0.22% | +848 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 | 3.86% | 1.07% | 1.14% | 1.62% | 2.37% | -1.12% | -1.09% | -0.74% | -236 bps | |
| Allowance / Loans | 4.33% | 4.64% | 4.35% | 4.06% | 3.17% | 4.32% | 4.43% | 4.18% | +12 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 | 13.14% | 14.54% | 14.64% | 15.39% | 15.24% | 17.47% | 17.26% | 17.79% | +241 bps | |
| Equity / Assets | 9.03% | 9.03% | 9.48% | 10.04% | 10.13% | 9.32% | 10.17% | 10.43% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.89% | 72.17% | 76.17% | 75.51% | 74.50% | 53.24% | 61.02% | 61.84% | -1,367 bps | |
| Liquid Assets / Assets | 5.19% | 9.07% | 5.57% | 5.06% | 6.43% | 5.10% | 12.24% | 26.46% | +2,140 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |