Murray, NE · Cert 10653
FDIC · 1 branch
Q4 2016
Market Position · Omaha-Council Bluffs, NE-IA · 2016 SOD (annual) · 0.1% share · #46 of 73 inst. · $0.0B of $31.0B
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.62% | 0.63% | 0.47% | 0.49% | 0.51% | 0.47% | 0.36% | -11 bps | |
| Return on Equity | 6.43% | 6.09% | 6.21% | 4.64% | 4.71% | 4.86% | 4.53% | 3.47% | -117 bps | |
| Net Interest Margin | 3.10% | 3.18% | 3.08% | 3.03% | 3.16% | 3.09% | 2.96% | 2.94% | -9 bps | |
| Efficiency Ratio | 74.94% | 75.83% | 75.27% | 77.21% | 78.16% | 78.47% | 79.77% | 83.38% | +617 bps | |
| Non-Interest Burden | 2.23% | 2.31% | 2.23% | 2.25% | 2.38% | 2.34% | 2.28% | 2.39% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.70% | -7.53% | -5.15% | -4.45% | 5.76% | 8.13% | 4.07% | -0.27% | +418 bps | |
| Loan Growth (YoY) | 10.41% | 4.11% | 2.39% | -3.92% | 3.21% | 0.92% | -2.23% | 0.40% | +432 bps | |
| Deposit Growth (YoY) | -9.79% | -10.05% | -4.61% | -0.05% | 1.87% | 7.99% | 8.56% | 5.98% | +603 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 | 0.89% | 0.91% | 0.82% | 0.89% | 0.86% | 0.90% | 0.84% | 0.88% | 0 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 | 10.42% | 11.16% | 10.83% | 10.52% | 10.84% | 11.13% | 10.86% | 10.77% | +25 bps | |
| Total Risk-Based Capital | 17.44% | 17.54% | 15.86% | 16.98% | 16.78% | 17.26% | 15.89% | 16.88% | -10 bps | |
| Equity / Assets | 10.58% | 10.79% | 9.93% | 10.34% | 10.45% | 10.45% | 9.90% | 10.73% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.58% | 76.99% | 79.77% | 80.75% | 82.65% | 71.95% | 71.84% | 76.50% | -425 bps | |
| Liquid Assets / Assets | 17.70% | 17.85% | 17.24% | 18.22% | 18.32% | 20.98% | 17.20% | 17.69% | -53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |