Kearney, NE · Cert 16112
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.93% | 1.02% | 0.57% | 0.82% | 0.53% | 0.74% | 0.67% | +10 bps | |
| Return on Equity | 10.95% | 10.77% | 11.29% | 6.35% | 9.92% | 6.76% | 9.12% | 8.44% | +209 bps | |
| Net Interest Margin | 3.31% | 3.34% | 3.48% | 3.24% | 3.09% | 2.88% | 3.02% | 3.14% | -10 bps | |
| Efficiency Ratio | 68.88% | 69.10% | 65.73% | 78.34% | 69.92% | 78.72% | 69.17% | 71.76% | -658 bps | |
| Non-Interest Burden | 1.88% | 1.92% | 1.82% | 2.27% | 1.86% | 2.12% | 1.84% | 2.06% | -20 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% | 0.13% | 0.03% | 0.13% | 0.04% | -0.13% | -0.04% | -0.13% | -27 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 |