PackageTrendsPeer
Letter portraitLegal landscape

Cass County Bank, Inc.

Plattsmouth, NE · Cert 19645

FDIC · 2 branches

Q3 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2019, the quarter ended September 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cass County Bank, Inc.

Plattsmouth, NE · Cert 19645

FDIC · 2 branches

Q3 2019

$73.3MAssets
$56.4MLoans
$65.2MDeposits
$8.0MEquity
Loan mix
80%RE $38.4M19%C&I $8.9M1%Consumer $0.6MQ3 2018Q3 2019
Deposit mix
85%Interest-bearing $55.5M15%Noninterest $9.7MQ3 2018Q3 2019

NIM

4.45%Q3 ’174.55%Q3 ’184.55%Q3 ’190%-5%

Non-interest income vs. expense

3.38%Q3 ’173.36%Q3 ’183.15%Q3 ’19+2%-8%

Market Position · Omaha-Council Bluffs, NE-IA · 2019 SOD (annual) · 0.2% share · #39 of 73 inst. · $0.1B of $33.8B

Executive Summary

  • Earnings: ROA of 0.68%, down 12 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 4.85% of loans (+4 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 10.56%, up 42 bps from a year ago.
  • Funding: loans stand at 86.47% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

0.68%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.75%-21 bps YoY

Efficiency Ratio (YTD, annualized)

75.36%-163 bps YoY

Tier 1 Leverage Ratio

10.56%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.79%0.80%0.48%0.73%0.68%-12 bps
Return on Equity7.64%7.65%4.36%6.60%6.18%-146 bps
Net Interest Margin3.96%3.98%3.72%3.71%3.75%-21 bps
Efficiency Ratio76.99%76.61%79.88%74.64%75.36%-163 bps
Non-Interest Burden3.09%3.09%3.03%2.81%2.86%-23 bps
Growth
Asset Growth (YoY)-1.54%-1.87%-0.57%1.10%5.36%+690 bps
Loan Growth (YoY)-9.51%-6.41%-8.44%7.08%8.64%+1,815 bps
Deposit Growth (YoY)-2.21%-2.72%-1.31%0.32%5.07%+728 bps
Asset Quality
Nonperforming Loans / Loans4.81%6.02%5.77%5.76%4.85%+4 bps
Net Charge-Offs / Loans0.29%0.22%0.00%0.04%0.04%-24 bps
Allowance / Loans1.88%1.91%2.01%1.80%1.86%-2 bps
Allowance Coverage of NPLs0.4x0.3x0.3x0.3x0.4x0.0x
Capital
Tier 1 Leverage Ratio10.14%10.51%10.61%10.12%10.56%+42 bps
Total Risk-Based Capital14.37%14.87%15.64%14.16%14.15%-23 bps
Equity / Assets10.63%10.99%11.00%11.08%10.88%+25 bps
Liquidity & Funding
Loans / Deposits83.63%83.93%80.91%90.78%86.47%+284 bps
Liquid Assets / Assets1.96%1.44%1.62%5.44%0.52%-144 bps
CRE / Total Capitaln/an/an/an/an/an/an/a