North Loup, NE · Cert 16468
FDIC · 1 branch
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
North Loup, NE · Cert 16468
FDIC · 1 branch
Q4 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.48% | -0.49% | -0.28% | 0.23% | 0.04% | 0.02% | -0.04% | +24 bps | |
| Return on Equity | 4.71% | 5.63% | -5.67% | -3.17% | 2.40% | 0.40% | 0.20% | -0.45% | +272 bps | |
| Net Interest Margin | 2.38% | 2.58% | 2.84% | 2.89% | 2.41% | 2.37% | 2.46% | 2.33% | -56 bps | |
| Efficiency Ratio | 82.05% | 77.23% | 75.94% | 84.93% | 91.28% | 98.26% | 99.76% | 102.68% | +1,775 bps | |
| Non-Interest Burden | 1.90% | 1.91% | 2.06% | 2.40% | 2.18% | 2.33% | 2.45% | 2.40% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.15% | -9.90% | -3.10% | -8.25% | -6.69% | -2.16% | -6.21% | 2.13% | +1,038 bps | |
| Loan Growth (YoY) | 2.30% | -2.15% | -1.13% | -0.21% | -4.88% | -5.41% | -20.15% | -12.16% | -1,195 bps | |
| Deposit Growth (YoY) | 0.93% | -11.09% | -5.83% | -11.44% | -7.79% | -2.71% | -4.95% | 4.58% | +1,602 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 | -0.04% | -0.10% | 2.03% | 1.78% | 0.04% | -0.12% | -1.09% | -0.77% | -255 bps | |
| Allowance / Loans | 2.42% | 2.34% | 2.16% | 2.01% | 2.31% | 2.28% | 3.27% | 3.06% | +105 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 | 16.03% | 15.88% | 15.72% | 16.44% | 17.29% | 16.14% | 17.15% | 16.44% | 0 bps | |
| Equity / Assets | 8.13% | 9.06% | 9.43% | 9.83% | 9.32% | 9.70% | 10.17% | 9.58% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.32% | 55.17% | 61.02% | 61.39% | 48.82% | 53.64% | 51.27% | 51.56% | -983 bps | |
| Liquid Assets / Assets | 39.89% | 42.94% | 40.40% | 41.00% | 24.78% | 28.32% | 28.10% | 24.48% | -1,652 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |