Humphrey, NE · Cert 13796
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.
Humphrey, NE · Cert 13796
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.68% | 1.01% | 0.90% | 0.98% | 0.76% | 1.02% | 1.55% | +64 bps | |
| Return on Equity | 7.13% | 6.55% | 9.84% | 8.64% | 9.11% | 7.01% | 8.87% | 16.01% | +737 bps | |
| Net Interest Margin | 2.40% | 2.48% | 2.49% | 2.59% | 2.80% | 2.83% | 2.60% | 2.59% | +1 bps | |
| Efficiency Ratio | 69.90% | 74.76% | 58.41% | 65.26% | 64.33% | 74.39% | 62.87% | 42.04% | -2,322 bps | |
| Non-Interest Burden | 1.60% | 1.76% | 1.39% | 1.64% | 1.73% | 2.00% | 1.57% | 0.92% | -72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.14% | 1.82% | 2.06% | -4.37% | -4.23% | -4.05% | -9.47% | 17.70% | +2,207 bps | |
| Loan Growth (YoY) | 4.06% | 11.45% | 23.42% | 26.93% | 4.18% | -6.19% | -7.51% | -6.64% | -3,357 bps | |
| Deposit Growth (YoY) | 5.28% | 4.94% | 1.97% | -5.20% | -5.24% | -5.11% | -10.95% | 24.63% | +2,983 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.83% | 1.48% | 1.63% | 1.60% | 1.76% | 1.58% | 1.77% | 1.72% | +11 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 | 9.77% | 10.23% | 11.37% | 11.43% | 11.15% | 7.86% | -237 bps | |
| Total Risk-Based Capital | 20.62% | 18.03% | 20.81% | 20.79% | 22.19% | 20.37% | 22.93% | 15.22% | -557 bps | |
| Equity / Assets | 10.72% | 10.73% | 9.90% | 10.82% | 11.60% | 11.66% | 11.28% | 6.69% | -413 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.91% | 55.42% | 44.51% | 50.16% | 48.28% | 54.79% | 46.23% | 37.57% | -1,258 bps | |
| Liquid Assets / Assets | 28.78% | 19.27% | 29.15% | 23.66% | 24.06% | 17.94% | 32.11% | 28.41% | +474 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |