Guide Rock, NE · Cert 11469
FDIC · 2 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Guide Rock, NE · Cert 11469
FDIC · 2 branches
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.86% | 0.94% | 1.02% | 0.74% | 1.12% | 1.16% | 1.44% | +42 bps | |
| Return on Equity | 5.97% | 6.82% | 7.32% | 7.74% | 5.58% | 8.15% | 8.17% | 9.87% | +213 bps | |
| Net Interest Margin | 3.74% | 3.52% | 3.81% | 3.88% | 3.89% | 3.51% | 3.74% | 3.95% | +7 bps | |
| Efficiency Ratio | 74.50% | 68.47% | 69.26% | 67.85% | 74.56% | 66.67% | 70.03% | 66.85% | -100 bps | |
| Non-Interest Burden | 2.66% | 2.29% | 2.49% | 2.48% | 2.79% | 2.18% | 2.47% | 2.45% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.39% | -0.20% | -1.36% | -4.78% | -0.43% | -3.51% | -6.01% | -2.99% | +178 bps | |
| Loan Growth (YoY) | 5.90% | 5.44% | 4.57% | -2.98% | -0.24% | -1.16% | -6.02% | 6.42% | +940 bps | |
| Deposit Growth (YoY) | -0.84% | -0.74% | -2.56% | -6.41% | -1.56% | -4.98% | -7.92% | -4.75% | +166 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 | -0.09% | -0.11% | -0.08% | -0.09% | -0.08% | -0.07% | -0.04% | -0.09% | 0 bps | |
| Allowance / Loans | 2.54% | 2.68% | 2.45% | 2.56% | 2.57% | 2.78% | 2.66% | 2.44% | -12 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 | n/a | n/a | n/a | 13.81% | 14.60% | 15.47% | n/a | |
| Total Risk-Based Capital | 18.25% | 19.15% | 18.44% | 19.27% | 18.89% | 18.78% | 19.29% | 18.91% | -36 bps | |
| Equity / Assets | 12.78% | 12.35% | 13.45% | 14.23% | 13.82% | 13.78% | 15.22% | 15.78% | +155 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.35% | 66.23% | 77.61% | 78.25% | 75.35% | 68.89% | 79.21% | 87.42% | +917 bps | |
| Liquid Assets / Assets | 19.31% | 20.63% | 18.57% | 15.96% | 16.40% | 18.86% | 16.14% | 13.60% | -236 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |