Louisville, NE · Cert 10650
FDIC · 1 branch
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Louisville, NE · Cert 10650
FDIC · 1 branch
Q4 2014
Market Position · Omaha-Council Bluffs, NE-IA · 2014 SOD (annual) · 0.2% share · #36 of 75 inst. · $0.1B of $28.1B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.60% | 1.59% | 1.53% | 1.35% | 1.97% | 1.78% | 1.76% | +23 bps | |
| Return on Equity | 13.94% | 13.12% | 13.02% | 12.43% | 10.83% | 15.91% | 14.44% | 14.20% | +176 bps | |
| Net Interest Margin | 3.65% | 3.94% | 3.90% | 3.79% | 3.36% | 3.17% | 3.18% | 3.25% | -54 bps | |
| Efficiency Ratio | 57.32% | 62.22% | 61.37% | 61.92% | 61.76% | 64.24% | 62.43% | 60.53% | -139 bps | |
| Non-Interest Burden | 1.97% | 2.34% | 2.29% | 2.24% | 2.00% | 1.97% | 1.91% | 1.88% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.71% | -5.29% | -4.61% | -4.90% | 0.63% | 8.36% | 6.04% | 6.57% | +1,147 bps | |
| Loan Growth (YoY) | -2.95% | -1.76% | 1.30% | -5.15% | 1.00% | -2.15% | 3.19% | 7.07% | +1,222 bps | |
| Deposit Growth (YoY) | 5.98% | 2.20% | 2.78% | 1.59% | 4.85% | 9.74% | 6.70% | 7.76% | +617 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 | -0.01% | -0.01% | -0.01% | 0.00% | -0.01% | -0.01% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 1.88% | 1.84% | 1.81% | 1.78% | 1.87% | 1.35% | 1.26% | 1.19% | -59 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 | 13.63% | 13.47% | 15.95% | 16.27% | 16.51% | 16.60% | 16.11% | 15.73% | -55 bps | |
| Equity / Assets | 12.01% | 12.47% | 12.27% | 12.74% | 12.17% | 12.22% | 12.33% | 12.51% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.28% | 97.53% | 97.22% | 99.95% | 89.85% | 86.96% | 94.02% | 99.31% | -64 bps | |
| Liquid Assets / Assets | 4.53% | 3.78% | 3.97% | 3.75% | 4.00% | 3.68% | 3.55% | 2.59% | -115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |