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QCBT Retreat
 

QCBT Retreat

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  • Jill’s Welcome and Introduction – background slide Jill’s welcome and introduction – background slide.

QCBT Retreat QCBT Retreat Presentation Transcript

  • Welcome! Thank You! 2008
  • Doug Hultquist
  • Net Income (Incl. M2) $2.2 million improvement in 2007
  • 2007 Key Improvements
    • Improvements in Net Interest Income (the difference between our Interest Income and Interest Expense) and Net Interest Margin
    • Improvements in Cost Control (managing our non-interest expenses)
    • Improvements in Non-Interest Income (service charges on deposits, trust activities and nontraditional product sales)
    • Improved Net Interest Income (the difference between our Interest Income and Interest Expense) and Net Interest Margin
    2007 Key Improvements
  • 14 basis point improvement in NIM % in 2007 Net Interest Margin (as a % of average assets)
  • In Thousands of Dollars $2.1 million improvement in 2007 Net Interest Income Dollars
  • Consolidated Net Interest Margin
  • QCBT 2007 Key Improvements
    • Improvements in Cost Control (managing our non-interest expenses)
    2007 Key Improvements
  • Improvements in all three areas in 2007 Non-interest expense (as a % of average assets)
    • Improvements in Non-Interest Income (services charges on deposits, trust activities and nontraditional product sales)
    2007 Key Improvements
  • Improvements in SC & Other Fee areas in 2007 Non-interest income (as a % of average assets)
  • Non-Interest Expense/ Net Interest Income + Non-Interest Income 6 basis point improvement in 2007 Efficiency Ratio
  • Total Consolidated Assets
  • Consolidated Net Income
  • Consolidated Earnings per Common Share
  • Closing Stock Price
  • Book Value of Common Stock vs. Fair Market Value
    • Deposits
    • Deposits
    • DEPOSITS
    Key Focus Areas
  • Deposit Mix & Growth
  • Total Consolidated Deposits
  • 2008 The Year of the D E P O S I T
  • John Anderson
  • Polly wants Deposits! Polly wants REFERRALS!
  • Teller Appreciation Week
  • Brady Street
  • Five Points
  • Utica
  • Moline
  • Middle Road
  • The best people…. building the best relationships!
  • Mr. Louie Gravance