Franklin, NE · Cert 11023
FDIC · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Franklin, NE · Cert 11023
FDIC · 1 branch
Q3 2018
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.37% | 1.34% | 1.40% | 1.21% | 1.50% | 1.84% | 2.42% | +102 bps | |
| Return on Equity | 5.93% | 7.79% | 7.50% | 7.77% | 6.69% | 8.26% | 10.06% | 13.21% | +544 bps | |
| Net Interest Margin | 3.52% | 3.47% | 3.45% | 3.46% | 3.49% | 3.59% | 3.68% | 3.79% | +33 bps | |
| Efficiency Ratio | 62.00% | 51.29% | 49.48% | 48.96% | 65.50% | 45.29% | 44.74% | 43.92% | -504 bps | |
| Non-Interest Burden | 2.08% | 1.66% | 1.57% | 1.56% | 2.19% | 1.50% | 1.50% | 1.51% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.29% | -2.52% | -2.55% | -0.08% | -0.18% | -0.08% | -0.40% | -1.84% | -176 bps | |
| Loan Growth (YoY) | 6.11% | 2.01% | 11.23% | 4.54% | -0.08% | 0.71% | -3.22% | -0.17% | -471 bps | |
| Deposit Growth (YoY) | -8.76% | -2.68% | -3.10% | -0.02% | -2.10% | -0.24% | 0.34% | -9.25% | -922 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.12% | 0.87% | 0.22% | 0.10% | 0.09% | 0.10% | 1.82% | +160 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.02% | -0.64% | -0.38% | -0.28% | -1.44% | -0.74% | -2.10% | -172 bps | |
| Allowance / Loans | 0.61% | 0.66% | 0.95% | 0.90% | 0.89% | 1.31% | 1.32% | 1.24% | +35 bps | |
| Allowance Coverage of NPLs | n/a | 5.7x | 1.1x | 4.1x | 9.3x | 14.6x | 13.4x | 0.7x | -3.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.96% | 18.53% | 18.74% | 18.85% | 18.93% | 19.39% | 19.91% | 20.18% | +133 bps | |
| Total Risk-Based Capital | 27.83% | 29.63% | 29.52% | 28.79% | 28.85% | 30.54% | 31.34% | 30.56% | +177 bps | |
| Equity / Assets | 17.37% | 17.93% | 18.43% | 18.41% | 18.05% | 18.24% | 18.52% | 18.38% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.90% | 62.17% | 64.71% | 66.34% | 68.28% | 62.77% | 62.42% | 72.97% | +664 bps | |
| Liquid Assets / Assets | 0.52% | 0.53% | 0.52% | 0.52% | 0.52% | 1.58% | 2.61% | 1.58% | +106 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |