Hildreth, NE · Cert 13723
FDIC · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hildreth, NE · Cert 13723
FDIC · 1 branch
Q2 2016
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 0.94% | 0.89% | 1.27% | 1.12% | +4 bps | |
| Return on Equity | 10.79% | 9.41% | 9.03% | 13.34% | 11.35% | +55 bps | |
| Net Interest Margin | 3.17% | 3.19% | 3.19% | 3.32% | 3.42% | +25 bps | |
| Efficiency Ratio | 63.81% | 68.89% | 69.35% | 62.68% | 65.46% | +165 bps | |
| Non-Interest Burden | 1.96% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.63% | 0.58% | 0.33% | -0.15% | -0.11% | -74 bps | |
| Allowance / Loans | 1.09% | 0.94% | 1.00% | 1.18% | 1.25% | +16 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.36% | 10.31% | 9.48% | 9.92% | 10.43% | +7 bps | |
| Total Risk-Based Capital | 13.92% | 13.57% | 11.57% | 12.98% | 12.79% | -113 bps | |
| Equity / Assets | 10.37% | 10.17% | 9.12% | 10.02% | 10.49% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.75% | 82.97% | 92.95% | 82.18% | 85.26% | +451 bps | |
| Liquid Assets / Assets | 16.37% | 14.89% | 14.10% | 15.34% | 15.62% | -75 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |