PackageTrendsPeer
Letter portraitLegal landscape

State Bank of Hildreth

Hildreth, NE · Cert 13723

FDIC · 1 branch

Q2 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

State Bank of Hildreth

Hildreth, NE · Cert 13723

FDIC · 1 branch

Q2 2016

$30.8MAssets
$22.2MLoans
$26.0MDeposits
$3.2MEquity
Loan mix
85%RE $9.6M13%C&I $1.5M1%Consumer $0.2MQ2 2015Q2 2016
Deposit mix
82%Interest-bearing $21.3M18%Noninterest $4.7MQ2 2015Q2 2016

NIM

3.16%Q2 ’143.58%Q2 ’153.95%Q2 ’16+18%+8%

Non-interest income vs. expense

2.26%Q2 ’142.14%Q2 ’152.35%Q2 ’16-20%+11%

Executive Summary

  • Earnings: ROA of 1.12%, up 4 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.11%.
  • Capital: tier 1 leverage ratio of 10.43%, up 7 bps from a year ago.
  • Funding: loans stand at 85.26% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

1.12%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+25 bps YoY

Efficiency Ratio (YTD, annualized)

65.46%+165 bps YoY

Tier 1 Leverage Ratio

10.43%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets1.07%0.94%0.89%1.27%1.12%+4 bps
Return on Equity10.79%9.41%9.03%13.34%11.35%+55 bps
Net Interest Margin3.17%3.19%3.19%3.32%3.42%+25 bps
Efficiency Ratio63.81%68.89%69.35%62.68%65.46%+165 bps
Non-Interest Burden1.96%2.14%2.15%2.02%2.18%+22 bps
Growth
Asset Growth (YoY)2.69%2.36%8.67%-2.40%0.76%-193 bps
Loan Growth (YoY)14.24%7.59%13.68%14.65%4.31%-994 bps
Deposit Growth (YoY)0.65%-3.32%5.15%-6.40%-1.21%-187 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.63%0.58%0.33%-0.15%-0.11%-74 bps
Allowance / Loans1.09%0.94%1.00%1.18%1.25%+16 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.36%10.31%9.48%9.92%10.43%+7 bps
Total Risk-Based Capital13.92%13.57%11.57%12.98%12.79%-113 bps
Equity / Assets10.37%10.17%9.12%10.02%10.49%+11 bps
Liquidity & Funding
Loans / Deposits80.75%82.97%92.95%82.18%85.26%+451 bps
Liquid Assets / Assets16.37%14.89%14.10%15.34%15.62%-75 bps
CRE / Total Capitaln/an/an/an/an/an/an/a