Enders, NE · Cert 8603
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.55% | 1.64% | 0.90% | 1.03% | 1.16% | 0.92% | 0.90% | 0.34% | -69 bps | |
| Return on Equity | 16.06% | 18.26% | 10.39% | 11.82% | 12.86% | 10.26% | 10.18% | 3.75% | -807 bps | |
| Net Interest Margin | 3.99% | 3.90% | 3.49% | 3.60% | 3.58% | 3.69% | 3.41% | 3.21% | -39 bps | |
| Efficiency Ratio | 67.37% | 66.67% | 76.97% | 71.81% | 71.61% | 76.22% | 75.58% | 89.30% | +1,749 bps | |
| Non-Interest Burden | 2.45% | 2.42% | 2.60% | 2.48% | 2.41% | 2.73% | 2.46% | 2.83% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.28% | 6.69% | 16.05% | 11.89% | 5.50% | 1.84% | 0.74% | 2.32% | -957 bps | |
| Loan Growth (YoY) | -5.25% | 14.61% | 7.97% | 9.65% | 5.89% | -4.27% | 2.71% | -0.74% | -1,039 bps | |
| Deposit Growth (YoY) | -0.68% | 3.32% | 18.21% | 9.42% | 10.57% | 7.75% | 0.22% | 5.52% | -390 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% | -0.06% | -0.29% | -0.02% | 0.00% | 0.00% | -0.02% | -0.02% | 0 bps | |
| Allowance / Loans | 3.36% | 2.67% | 3.08% | 3.11% | 3.19% | 2.87% | 3.01% | 3.15% | +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 | 15.04% | 13.63% | 14.97% | 14.93% | 15.14% | 13.97% | 14.93% | 14.96% | +3 bps | |
| Equity / Assets | 9.45% | 8.60% | 8.73% | 8.71% | 9.29% | 8.62% | 9.09% | 8.97% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.78% | 78.25% | 62.76% | 67.82% | 65.87% | 69.52% | 64.31% | 63.79% | -402 bps | |
| Liquid Assets / Assets | 0.28% | 0.25% | 0.25% | 0.26% | 0.27% | 0.25% | 0.25% | 0.27% | 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 |