Chester, NE · Cert 16881
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Chester, NE · Cert 16881
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.38% | 1.57% | 1.22% | 1.13% | 1.27% | 1.36% | 0.68% | -54 bps | |
| Return on Equity | 13.07% | 13.72% | 15.60% | 12.30% | 12.29% | 13.68% | 14.52% | 7.45% | -485 bps | |
| Net Interest Margin | 2.79% | 2.87% | 3.02% | 2.90% | 2.49% | 2.72% | 2.94% | 2.86% | -3 bps | |
| Efficiency Ratio | 57.79% | 57.04% | 53.81% | 63.60% | 58.16% | 55.98% | 55.64% | 77.44% | +1,385 bps | |
| Non-Interest Burden | 1.47% | 1.50% | 1.49% | 1.74% | 1.35% | 1.42% | 1.54% | 2.17% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.12% | 8.11% | 8.19% | 18.00% | 11.86% | 9.01% | 9.75% | 0.47% | -1,753 bps | |
| Loan Growth (YoY) | -4.94% | 1.55% | 6.88% | 4.12% | 11.47% | 8.48% | 9.28% | 26.25% | +2,213 bps | |
| Deposit Growth (YoY) | 6.81% | 8.84% | 8.96% | 19.97% | 12.60% | 9.39% | 7.41% | 0.62% | -1,935 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 | -0.06% | -0.04% | 0.01% | 0.00% | -0.03% | -0.02% | -0.02% | -0.02% | -2 bps | |
| Allowance / Loans | 1.15% | 0.99% | 0.89% | 0.97% | 1.02% | 0.91% | 0.83% | 0.78% | -19 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 | 16.11% | 14.30% | 13.99% | 14.35% | 14.73% | 14.00% | 13.33% | 10.64% | -371 bps | |
| Equity / Assets | 9.68% | 9.83% | 9.94% | 9.33% | 9.11% | 9.53% | 9.49% | 8.00% | -133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.23% | 72.99% | 77.29% | 66.64% | 61.60% | 72.39% | 78.64% | 83.62% | +1,698 bps | |
| Liquid Assets / Assets | 28.81% | 29.02% | 26.13% | 34.49% | 38.79% | 30.07% | 27.39% | 21.50% | -1,300 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |