Daykin, NE · Cert 17452
FDIC · 1 branch
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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.
Daykin, NE · Cert 17452
FDIC · 1 branch
Q4 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.39% | 1.38% | 1.41% | 1.61% | 1.45% | 1.45% | 0.64% | -77 bps | |
| Return on Equity | 9.14% | 9.13% | 8.99% | 9.22% | 10.68% | 9.45% | 9.33% | 4.09% | -514 bps | |
| Net Interest Margin | 3.05% | 3.10% | 3.05% | 3.03% | 3.17% | 3.30% | 3.36% | 3.41% | +38 bps | |
| Efficiency Ratio | 55.75% | 55.91% | 56.43% | 55.74% | 50.82% | 51.27% | 52.89% | 77.90% | +2,216 bps | |
| Non-Interest Burden | 1.64% | 1.67% | 1.66% | 1.63% | 1.54% | 1.60% | 1.69% | 2.62% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.70% | -3.07% | -3.93% | 6.07% | 3.22% | -1.80% | -3.46% | -10.26% | -1,633 bps | |
| Loan Growth (YoY) | -6.97% | -11.71% | -13.03% | 1.34% | 5.82% | 14.50% | 4.90% | 1.40% | +5 bps | |
| Deposit Growth (YoY) | -4.47% | -4.27% | -2.09% | -0.35% | 6.34% | 0.44% | -1.57% | -2.02% | -168 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.47% | 1.57% | 1.52% | 1.37% | 1.39% | 1.37% | 1.45% | 1.35% | -2 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 | 14.57% | 15.07% | 15.04% | 15.08% | 14.68% | 15.64% | 16.42% | 16.33% | +124 bps | |
| Total Risk-Based Capital | 24.61% | 25.80% | 26.00% | 24.41% | 24.50% | 24.77% | 26.47% | 24.72% | +32 bps | |
| Equity / Assets | 15.17% | 15.38% | 15.57% | 15.06% | 15.10% | 15.82% | 16.37% | 16.22% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.01% | 53.43% | 55.01% | 63.52% | 57.72% | 60.91% | 58.62% | 65.74% | +222 bps | |
| Liquid Assets / Assets | 33.78% | 36.07% | 37.12% | 34.52% | 33.30% | 30.78% | 32.67% | 28.15% | -637 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |