Red Cloud, NE · Cert 14326
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.44% | 1.49% | 1.51% | 1.55% | 1.45% | 1.34% | 0.34% | -117 bps | |
| Return on Equity | 4.84% | 5.36% | 5.64% | 5.65% | 5.99% | 5.93% | 5.54% | 1.40% | -425 bps | |
| Net Interest Margin | 4.16% | 3.62% | 3.64% | 3.76% | 3.81% | 3.42% | 3.31% | 3.50% | -25 bps | |
| Efficiency Ratio | 48.19% | 47.87% | 45.59% | 46.14% | 50.75% | 44.91% | 46.35% | 36.27% | -987 bps | |
| Non-Interest Burden | 1.85% | 1.61% | 1.54% | 1.41% | 1.81% | 1.36% | 1.41% | 0.77% | -64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.31% | 12.77% | 14.76% | 13.55% | 8.31% | 5.49% | -0.11% | -0.11% | -1,367 bps | |
| Loan Growth (YoY) | 13.54% | 5.49% | 10.37% | 12.07% | 8.08% | 7.31% | -1.05% | -5.71% | -1,777 bps | |
| Deposit Growth (YoY) | 8.99% | 16.88% | 17.34% | 14.93% | 12.44% | 8.42% | 7.79% | 6.39% | -854 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 | 0.89% | 0.02% | -0.30% | -0.08% | -0.12% | -0.01% | 0.00% | 0.00% | +8 bps | |
| Allowance / Loans | 1.28% | 1.32% | 1.31% | 1.27% | 1.30% | 1.36% | 1.38% | 1.38% | +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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 34.59% | 34.53% | 33.85% | 32.97% | 30.80% | 32.05% | 31.11% | 34.20% | +122 bps | |
| Equity / Assets | 27.47% | 26.23% | 26.50% | 27.09% | 24.74% | 24.24% | 24.16% | 24.69% | -240 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.51% | 71.55% | 79.08% | 83.03% | 76.43% | 70.82% | 72.58% | 73.58% | -944 bps | |
| Liquid Assets / Assets | 7.50% | 12.00% | 5.40% | 5.47% | 5.36% | 13.01% | 10.79% | 14.91% | +945 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |