Lisco, NE · Cert 11479
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Lisco, NE · Cert 11479
FDIC
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 1.65% | 1.63% | 1.66% | 1.54% | 1.09% | 1.12% | 1.23% | -43 bps | |
| Return on Equity | 12.13% | 11.61% | 11.64% | 11.74% | 11.13% | 7.87% | 8.01% | 8.62% | -311 bps | |
| Net Interest Margin | 3.46% | 3.41% | 3.38% | 3.17% | 3.03% | 2.81% | 2.95% | 3.05% | -12 bps | |
| Efficiency Ratio | 55.61% | 60.13% | 56.73% | 55.44% | 57.39% | 63.12% | 63.03% | 61.63% | +619 bps | |
| Non-Interest Burden | 1.84% | 1.98% | 1.83% | 1.68% | 1.67% | 1.71% | 1.79% | 1.81% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.34% | 5.54% | 12.29% | 14.04% | 12.40% | 5.78% | -3.79% | -2.84% | -1,688 bps | |
| Loan Growth (YoY) | 11.28% | -10.03% | -5.07% | -1.22% | -6.21% | -5.41% | -6.11% | 1.02% | +224 bps | |
| Deposit Growth (YoY) | 5.37% | 15.99% | 33.67% | 25.62% | 21.58% | 11.08% | -3.78% | -12.15% | -3,776 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 | -0.04% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | -0.11% | -11 bps | |
| Allowance / Loans | 2.04% | 2.48% | 2.00% | 2.03% | 2.16% | 2.61% | 2.13% | 2.08% | +5 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.08% | 22.95% | 19.59% | 20.31% | 20.60% | 25.08% | 21.19% | 20.88% | +56 bps | |
| Equity / Assets | 13.56% | 14.99% | 13.63% | 14.47% | 12.89% | 15.08% | 14.25% | 14.85% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.45% | 79.99% | 92.36% | 89.90% | 72.09% | 68.12% | 90.12% | 103.38% | +1,347 bps | |
| Liquid Assets / Assets | 2.32% | 17.81% | 15.89% | 16.25% | 14.25% | 21.58% | 23.76% | 19.05% | +280 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |