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Guide Rock State Bank

Guide Rock, NE · Cert 11469

FDIC · 2 branches

Q3 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Guide Rock State Bank

Guide Rock, NE · Cert 11469

FDIC · 2 branches

Q3 2015

$26.8MAssets
$19.7MLoans
$22.6MDeposits
$4.2MEquity
Loan mix
54%RE $4.8M31%C&I $2.7M15%Consumer $1.4MQ3 2014Q3 2015
Deposit mix
78%Interest-bearing $17.5M22%Noninterest $5.0MQ3 2014Q3 2015

NIM

4.25%Q3 ’134.34%Q3 ’144.37%Q3 ’15+4%+2%

Non-interest income vs. expense

2.85%Q3 ’132.95%Q3 ’143.02%Q3 ’15+6%-1%

Executive Summary

  • Earnings: ROA of 1.44%, up 42 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 15.47%.
  • Funding: loans stand at 87.42% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

1.44%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+7 bps YoY

Efficiency Ratio (YTD, annualized)

66.85%-100 bps YoY

Tier 1 Leverage Ratio

15.47%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets1.02%0.74%1.12%1.16%1.44%+42 bps
Return on Equity7.74%5.58%8.15%8.17%9.87%+213 bps
Net Interest Margin3.88%3.89%3.51%3.74%3.95%+7 bps
Efficiency Ratio67.85%74.56%66.67%70.03%66.85%-100 bps
Non-Interest Burden2.48%2.79%2.18%2.47%2.45%-3 bps
Growth
Asset Growth (YoY)-4.78%-0.43%-3.51%-6.01%-2.99%+178 bps
Loan Growth (YoY)-2.98%-0.24%-1.16%-6.02%6.42%+940 bps
Deposit Growth (YoY)-6.41%-1.56%-4.98%-7.92%-4.75%+166 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.09%-0.08%-0.07%-0.04%-0.09%0 bps
Allowance / Loans2.56%2.57%2.78%2.66%2.44%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a13.81%14.60%15.47%n/a
Total Risk-Based Capital19.27%18.89%18.78%19.29%18.91%-36 bps
Equity / Assets14.23%13.82%13.78%15.22%15.78%+155 bps
Liquidity & Funding
Loans / Deposits78.25%75.35%68.89%79.21%87.42%+917 bps
Liquid Assets / Assets15.96%16.40%18.86%16.14%13.60%-236 bps
CRE / Total Capitaln/an/an/an/an/an/an/a