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QCBT Retreat

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QCBT Retreat

  1. 1. Welcome! Thank You! 2008
  2. 2. Doug Hultquist
  3. 3. Net Income (Incl. M2) $2.2 million improvement in 2007
  4. 4. 2007 Key Improvements <ul><li>Improvements in Net Interest Income (the difference between our Interest Income and Interest Expense) and Net Interest Margin </li></ul><ul><li>Improvements in Cost Control (managing our non-interest expenses) </li></ul><ul><li>Improvements in Non-Interest Income (service charges on deposits, trust activities and nontraditional product sales) </li></ul>
  5. 5. <ul><li>Improved Net Interest Income (the difference between our Interest Income and Interest Expense) and Net Interest Margin </li></ul>2007 Key Improvements
  6. 6. 14 basis point improvement in NIM % in 2007 Net Interest Margin (as a % of average assets)
  7. 7. In Thousands of Dollars $2.1 million improvement in 2007 Net Interest Income Dollars
  8. 8. Consolidated Net Interest Margin
  9. 9. QCBT 2007 Key Improvements <ul><li>Improvements in Cost Control (managing our non-interest expenses) </li></ul>2007 Key Improvements
  10. 10. Improvements in all three areas in 2007 Non-interest expense (as a % of average assets)
  11. 11. <ul><li>Improvements in Non-Interest Income (services charges on deposits, trust activities and nontraditional product sales) </li></ul>2007 Key Improvements
  12. 12. Improvements in SC & Other Fee areas in 2007 Non-interest income (as a % of average assets)
  13. 13. Non-Interest Expense/ Net Interest Income + Non-Interest Income 6 basis point improvement in 2007 Efficiency Ratio
  14. 14. Total Consolidated Assets
  15. 15. Consolidated Net Income
  16. 16. Consolidated Earnings per Common Share
  17. 17. Closing Stock Price
  18. 18. Book Value of Common Stock vs. Fair Market Value
  19. 19. <ul><li>Deposits </li></ul><ul><li>Deposits </li></ul><ul><li>DEPOSITS </li></ul>Key Focus Areas
  20. 20. Deposit Mix & Growth
  21. 21. Total Consolidated Deposits
  22. 22. 2008 The Year of the D E P O S I T
  23. 23. John Anderson
  24. 24. Polly wants Deposits! Polly wants REFERRALS!
  25. 25. Teller Appreciation Week
  26. 26. Brady Street
  27. 27. Five Points
  28. 28. Utica
  29. 29. Moline
  30. 30. Middle Road
  31. 31. The best people…. building the best relationships!
  32. 32. Mr. Louie Gravance

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