Guide Rock, NE · Cert 11469
FDIC · 2 branches
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | 0.86% | 1.01% | 1.18% | -0.10% | 1.12% | 1.18% | 2.04% | +86 bps | |
| Return on Equity | -2.29% | 6.82% | 7.81% | 8.53% | -0.71% | 8.15% | 8.18% | 13.17% | +463 bps | |
| Net Interest Margin | 3.83% | 3.52% | 3.93% | 3.97% | 3.99% | 3.51% | 3.85% | 4.17% | +20 bps | |
| Efficiency Ratio | 94.89% | 68.47% | 69.97% | 65.08% | 94.32% | 66.67% | 73.20% | 61.09% | -399 bps | |
| Non-Interest Burden | 3.62% | 2.29% | 2.58% | 2.43% | 3.74% | 2.18% | 2.68% | 2.29% | -14 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 | -0.06% | -0.11% | -0.06% | -0.09% | -0.04% | -0.07% | -0.02% | -0.18% | -10 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 |