Winside, NE · Cert 16325
FDIC · 1 branch
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Winside, NE · Cert 16325
FDIC · 1 branch
Q3 2015
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.14% | 1.02% | 1.33% | 1.02% | 1.19% | 1.57% | 1.43% | +10 bps | |
| Return on Equity | 5.29% | 5.69% | 5.16% | 6.61% | 5.18% | 6.42% | 8.19% | 7.22% | +61 bps | |
| Net Interest Margin | 3.01% | 2.82% | 2.87% | 2.91% | 2.96% | 3.08% | 3.26% | 3.40% | +49 bps | |
| Efficiency Ratio | 66.67% | 61.45% | 65.00% | 62.29% | 70.22% | 59.30% | 53.88% | 58.16% | -413 bps | |
| Non-Interest Burden | 1.96% | 1.66% | 1.81% | 1.75% | 2.03% | 1.78% | 1.50% | 1.79% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.19% | -3.80% | 3.23% | -2.66% | 14.39% | 12.68% | -1.03% | 4.39% | +706 bps | |
| Loan Growth (YoY) | 8.96% | -1.89% | -2.68% | -14.95% | 12.49% | 32.15% | 23.39% | 37.53% | +5,248 bps | |
| Deposit Growth (YoY) | -5.40% | -5.81% | 3.11% | -4.77% | 7.40% | 5.38% | -7.93% | -1.46% | +331 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 | -0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.86% | 1.11% | 1.04% | 0.82% | 0.56% | 0.61% | 0.62% | 0.60% | -23 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 | 19.93% | 21.51% | 22.39% | n/a | |
| Total Risk-Based Capital | 22.77% | 26.06% | 24.77% | 26.97% | 20.57% | 19.03% | 20.95% | 22.13% | -484 bps | |
| Equity / Assets | 20.11% | 20.13% | 18.96% | 21.41% | 18.37% | 18.66% | 20.54% | 21.71% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.11% | 67.06% | 66.27% | 69.68% | 92.28% | 84.09% | 88.81% | 97.25% | +2,757 bps | |
| Liquid Assets / Assets | 12.01% | 10.74% | 10.85% | 11.96% | 10.39% | 10.06% | 10.68% | 14.58% | +262 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |