Nehawka, NE · Cert 11483
FDIC · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Nehawka, NE · Cert 11483
FDIC · 1 branch
Q3 2018
Market Position · Omaha-Council Bluffs, NE-IA · 2018 SOD (annual) · 0.0% share · #69 of 71 inst. · $0.0B of $32.6B
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.29% | 0.23% | 0.12% | 0.22% | 0.63% | 1.02% | 1.07% | +95 bps | |
| Return on Equity | 1.44% | 1.80% | 1.43% | 0.70% | 1.31% | 4.34% | 7.30% | 7.63% | +693 bps | |
| Net Interest Margin | 3.83% | 3.59% | 3.58% | 3.69% | 3.70% | 1.52% | 2.50% | 3.04% | -65 bps | |
| Efficiency Ratio | 94.59% | 92.26% | 93.90% | 96.93% | 93.95% | 43.28% | 46.67% | 48.12% | -4,881 bps | |
| Non-Interest Burden | 3.60% | 3.27% | 3.33% | 3.56% | 3.45% | 0.63% | 1.07% | 1.40% | -216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.21% | 5.27% | -2.76% | -4.46% | -6.55% | 1.11% | -4.63% | -4.48% | -2 bps | |
| Loan Growth (YoY) | -2.38% | -2.93% | -11.18% | -9.54% | -15.07% | -11.18% | -10.10% | -9.47% | +7 bps | |
| Deposit Growth (YoY) | -2.89% | 6.15% | 3.47% | -1.72% | -8.00% | 6.21% | -1.10% | -0.85% | +87 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 4.59% | 1.93% | 0.00% | 0.00% | 0.44% | 0.38% | 0.48% | +48 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.95% | 1.01% | 1.03% | 1.04% | 1.12% | 0.01% | 0.05% | 0.12% | -92 bps | |
| Allowance Coverage of NPLs | n/a | 0.2x | 0.5x | n/a | n/a | 0.0x | 0.1x | 0.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.33% | 16.61% | 16.55% | 17.18% | 17.27% | 9.13% | 9.71% | 10.86% | -632 bps | |
| Total Risk-Based Capital | 22.63% | 23.54% | 24.63% | 25.61% | 27.59% | 13.93% | 14.92% | 16.26% | -935 bps | |
| Equity / Assets | 16.37% | 16.31% | 16.59% | 17.58% | 17.67% | 11.63% | 12.97% | 13.93% | -365 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.90% | 96.52% | 97.36% | 102.23% | 94.99% | 80.72% | 88.50% | 93.34% | -889 bps | |
| Liquid Assets / Assets | 6.40% | 6.37% | 7.16% | 8.84% | 8.86% | 8.10% | 8.13% | 8.56% | -28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |