Spencer, NE · Cert 12249
FDIC · 1 branch
Q4 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.32% | 0.40% | -0.15% | 0.93% | 0.82% | -0.46% | 0.36% | +52 bps | |
| Return on Equity | 3.08% | 2.38% | 3.40% | -1.35% | 8.22% | 7.65% | -4.52% | 3.36% | +471 bps | |
| Net Interest Margin | 3.33% | 3.32% | 3.22% | 3.39% | 3.42% | 3.41% | 3.25% | 2.96% | -43 bps | |
| Efficiency Ratio | 82.03% | 88.19% | 84.48% | 81.03% | 71.15% | 69.25% | 63.86% | 72.99% | -805 bps | |
| Non-Interest Burden | 2.64% | 2.88% | 2.68% | 2.70% | 2.37% | 2.22% | 1.99% | 2.10% | -61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.81% | 43.84% | 47.76% | 43.24% | 40.38% | 46.66% | 21.04% | 22.30% | -2,093 bps | |
| Loan Growth (YoY) | 90.60% | 111.88% | 76.76% | 53.61% | 59.90% | 58.58% | 21.96% | 18.60% | -3,502 bps | |
| Deposit Growth (YoY) | 28.85% | 36.94% | 42.81% | 31.93% | 34.97% | 42.52% | 25.95% | 29.77% | -216 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 | 0.00% | 0.00% | -0.03% | -0.05% | 0.00% | 0.00% | 1.96% | 0.00% | +5 bps | |
| Allowance / Loans | 0.74% | 0.70% | 0.60% | 0.88% | 0.85% | 0.88% | 0.94% | 1.10% | +23 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 | 13.31% | 12.91% | 11.82% | 11.30% | 11.19% | 10.31% | 9.76% | 11.38% | +8 bps | |
| Total Risk-Based Capital | 14.97% | 13.98% | 12.22% | 12.90% | 12.11% | 11.62% | 12.13% | 14.73% | +183 bps | |
| Equity / Assets | 14.14% | 12.99% | 10.97% | 11.42% | 11.33% | 10.12% | 10.12% | 11.54% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.19% | 90.93% | 100.79% | 101.73% | 108.02% | 101.17% | 97.60% | 92.97% | -876 bps | |
| Liquid Assets / Assets | 7.92% | 7.01% | 5.58% | 7.51% | 1.21% | 3.08% | 8.14% | 11.73% | +423 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |