Shelton, NE · Cert 8600
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.75% | 0.77% | 0.09%1 | 0.06% | -0.98% | 0.54% | -0.02% | 0.50% | +44 bps | |
| Return on Equity | -19.01% | 8.54% | 1.02% | 0.63% | -9.75% | 5.58% | -0.26% | 4.86% | +423 bps | |
| Net Interest Margin | 3.75% | 3.72% | 3.37% | 3.88% | 2.75% | 3.41% | 3.17% | 3.33% | -55 bps | |
| Efficiency Ratio | 107.99% | 80.76% | 107.14% | 87.12% | 133.94% | 84.75% | 97.65% | 108.62% | +2,150 bps | |
| Non-Interest Burden | 4.09% | 2.84% | 3.64% | 3.24% | 3.70% | 2.78% | 3.08% | 3.66% | +42 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 | 4.73% | 1.07% | 1.20% | 2.43% | 4.62% | -1.12% | -1.12% | 0.00% | -243 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 |