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North Loup Valley Bank

North Loup, NE · Cert 16468

FDIC · 1 branch

Q4 2014

$20.8MAssets
$9.6MLoans
$18.7MDeposits
$2.0MEquity
Loan mix
64%RE $2.9M19%C&I $0.9M17%Consumer $0.8MQ4 2013Q4 2014
Deposit mix
83%Interest-bearing $15.6M17%Noninterest $3.1MQ4 2013Q4 2014

NIM

3.36%Q4 ’123.42%Q4 ’132.56%Q4 ’14+12%-26%

Non-interest income vs. expense

2.42%Q4 ’123.75%Q4 ’132.91%Q4 ’14+58%-25%

Executive Summary

  • Earnings: ROA of -0.24%, down 62 bps year over year; NIM at 2.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 51.56% of deposits as of Q4 2014.

Financial Results

Return on Assets (quarter, annualized)

-0.24%-62 bps YoY

Net Interest Margin (quarter, annualized)

2.23%-78 bps YoY

Efficiency Ratio (quarter, annualized)

111.85%+93 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.39%0.23%-0.15%-0.02%-0.24%-62 bps
Return on Equity4.03%2.40%-1.60%-0.20%-2.41%-643 bps
Net Interest Margin3.01%2.41%2.21%2.44%2.23%-78 bps
Efficiency Ratio110.92%91.28%105.80%102.92%111.85%+93 bps
Non-Interest Burden3.38%2.18%2.36%2.52%2.54%-84 bps
Growth
Asset Growth (YoY)-8.25%-6.69%-2.16%-6.21%2.13%+1,038 bps
Loan Growth (YoY)-0.21%-4.88%-5.41%-20.15%-12.16%-1,195 bps
Deposit Growth (YoY)-11.44%-7.79%-2.71%-4.95%4.58%+1,602 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.84%0.04%-0.28%-3.01%0.00%-84 bps
Allowance / Loans2.01%2.31%2.28%3.27%3.06%+105 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.44%17.29%16.14%17.15%16.44%0 bps
Equity / Assets9.83%9.32%9.70%10.17%9.58%-25 bps
Liquidity & Funding
Loans / Deposits61.39%48.82%53.64%51.27%51.56%-983 bps
Liquid Assets / Assets41.00%24.78%28.32%28.10%24.48%-1,652 bps
CRE / Total Capitaln/an/an/an/an/an/an/a