Kearney, NE · Cert 16112
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Kearney, NE · Cert 16112
FDIC
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.94% | 0.96% | 0.86% | 0.82% | 0.68% | 0.70% | 0.69% | -17 bps | |
| Return on Equity | 10.95% | 10.85% | 11.00% | 9.85% | 9.92% | 8.32% | 8.55% | 8.54% | -132 bps | |
| Net Interest Margin | 3.31% | 3.29% | 3.39% | 3.39% | 3.09% | 2.95% | 3.00% | 3.04% | -35 bps | |
| Efficiency Ratio | 68.88% | 68.99% | 67.87% | 70.37% | 69.92% | 74.09% | 72.45% | 72.28% | +191 bps | |
| Non-Interest Burden | 1.88% | 1.88% | 1.89% | 2.00% | 1.86% | 1.97% | 1.94% | 1.97% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.17% | 3.71% | 5.65% | 3.79% | 3.28% | 4.64% | 1.89% | 5.16% | +138 bps | |
| Loan Growth (YoY) | 8.41% | -3.68% | -1.22% | -8.77% | -1.08% | 6.34% | 8.77% | 17.10% | +2,588 bps | |
| Deposit Growth (YoY) | 8.46% | 4.18% | 2.93% | 5.70% | 4.25% | 3.66% | 3.45% | -2.43% | -813 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 | 0.07% | 0.10% | 0.08% | 0.09% | 0.04% | -0.04% | -0.04% | -0.06% | -16 bps | |
| Allowance / Loans | 0.97% | 0.96% | 0.95% | 1.01% | 0.95% | 0.92% | 0.88% | 0.92% | -9 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 | 13.90% | 14.48% | 14.20% | 14.01% | 13.72% | 13.06% | 12.62% | 12.26% | -175 bps | |
| Equity / Assets | 8.36% | 8.94% | 9.09% | 8.75% | 7.77% | 7.92% | 8.22% | 7.68% | -106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.71% | 81.12% | 85.46% | 76.56% | 74.69% | 83.22% | 89.86% | 91.89% | +1,533 bps | |
| Liquid Assets / Assets | 3.61% | 3.67% | 3.32% | 5.44% | 7.11% | 5.96% | 2.61% | 4.39% | -106 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |