Winside, NE · Cert 16325
FDIC · 1 branch
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.91% | 0.19% | 1.19% | 1.94% | 1.12% | -79 bps | |
| Return on Equity | 9.48% | 0.98% | 6.42% | 9.94% | 5.31% | -417 bps | |
| Net Interest Margin | 2.92% | 3.06% | 3.08% | 3.28% | 3.49% | +57 bps | |
| Efficiency Ratio | 56.91% | 92.67% | 59.30% | 49.60% | 67.30% | +1,039 bps | |
| Non-Interest Burden | 1.59% | 2.82% | 1.78% | 1.13% | 2.29% | +70 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.66% | 14.39% | 12.68% | -1.03% | 4.39% | +706 bps | |
| Loan Growth (YoY) | -14.95% | 12.49% | 32.15% | 23.39% | 37.53% | +5,248 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 19.93% | 21.51% | 22.39% | n/a | |
| Total Risk-Based Capital | 26.97% | 20.57% | 19.03% | 20.95% | 22.13% | -484 bps | |
| Equity / Assets | 21.41% | 18.37% | 18.66% | 20.54% | 21.71% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.68% | 92.28% | 84.09% | 88.81% | 97.25% | +2,757 bps | |
| Liquid Assets / Assets | 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 |