Ewing, NE · Cert 10652
FDIC · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Ewing, NE · Cert 10652
FDIC · 1 branch
Q2 2016
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.43% | 0.83% | 0.80% | 0.82% | 0.46% | 1.26% | 1.25% | +44 bps | |
| Return on Equity | 4.26% | 2.09% | 4.00% | 3.89% | 4.05% | 2.23% | 5.77% | 5.73% | +183 bps | |
| Net Interest Margin | 2.81% | 2.94% | 2.89% | 2.87% | 2.93% | 3.00% | 3.13% | 2.83% | -4 bps | |
| Efficiency Ratio | 59.11% | 78.20% | 59.15% | 62.43% | 57.88% | 77.41% | 52.38% | 44.31% | -1,812 bps | |
| Non-Interest Burden | 1.57% | 2.24% | 1.65% | 1.71% | 1.61% | 2.26% | 1.56% | 1.09% | -62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.95% | 10.61% | 0.46% | -1.16% | 7.44% | -1.92% | -3.23% | -2.92% | -176 bps | |
| Loan Growth (YoY) | -3.34% | 7.40% | 4.04% | 12.42% | 4.86% | -1.06% | -5.31% | -16.72% | -2,913 bps | |
| Deposit Growth (YoY) | 16.82% | 12.39% | -1.19% | -4.32% | 6.51% | -2.39% | -2.13% | -1.15% | +317 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.83% | 0.84% | 0.91% | 0.82% | 0.89% | 0.95% | 1.08% | 1.10% | +28 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 | 20.50% | 20.04% | 20.39% | 20.59% | 22.19% | 21.59% | +155 bps | |
| Total Risk-Based Capital | 28.19% | 28.30% | 30.32% | 28.42% | 27.24% | 29.52% | 32.69% | 35.05% | +663 bps | |
| Equity / Assets | 20.20% | 20.76% | 20.87% | 20.29% | 19.17% | 21.64% | 22.15% | 21.57% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.49% | 96.44% | 87.02% | 95.49% | 95.97% | 97.75% | 84.20% | 80.45% | -1,504 bps | |
| Liquid Assets / Assets | 23.76% | 24.67% | 24.56% | 22.52% | 22.11% | 23.95% | 23.00% | 20.91% | -161 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |