Franklin, NE · Cert 11023
FDIC · 1 branch
Q3 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.52% | 0.62% | 1.50% | 2.19% | 3.58% | +205 bps | |
| Return on Equity | 8.26% | 3.40% | 8.26% | 11.90% | 19.38% | +1,112 bps | |
| Net Interest Margin | 3.47% | 3.62% | 3.59% | 3.78% | 4.00% | +53 bps | |
| Efficiency Ratio | 47.92% | 112.53% | 45.29% | 44.23% | 42.39% | -553 bps | |
| Non-Interest Burden | 1.52% | 4.11% | 1.50% | 1.49% | 1.55% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.08% | -0.18% | -0.08% | -0.40% | -1.84% | -176 bps | |
| Loan Growth (YoY) | 4.54% | -0.08% | 0.71% | -3.22% | -0.17% | -471 bps | |
| Deposit Growth (YoY) | -0.02% | -2.10% | -0.24% | 0.34% | -9.25% | -922 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.22% | 0.10% | 0.09% | 0.10% | 1.82% | +160 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.02% | -1.44% | -0.03% | -4.91% | -501 bps | |
| Allowance / Loans | 0.90% | 0.89% | 1.31% | 1.32% | 1.24% | +35 bps | |
| Allowance Coverage of NPLs | 4.1x | 9.3x | 14.6x | 13.4x | 0.7x | -3.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.85% | 18.93% | 19.39% | 19.91% | 20.18% | +133 bps | |
| Total Risk-Based Capital | 28.79% | 28.85% | 30.54% | 31.34% | 30.56% | +177 bps | |
| Equity / Assets | 18.41% | 18.05% | 18.24% | 18.52% | 18.38% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.34% | 68.28% | 62.77% | 62.42% | 72.97% | +664 bps | |
| Liquid Assets / Assets | 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 |