La Vista, NE · Cert 21704
FDIC · 4 branches
Q1 2017
Market Position · Omaha-Council Bluffs, NE-IA · 2016 SOD (annual) · 0.4% share · #21 of 73 inst. · $0.1B of $31.0B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.19% | 1.18% | 1.14% | 1.55% | 1.53% | 1.36% | 1.03% | -11 bps | |
| Return on Equity | 10.78% | 12.04% | 12.08% | 12.16% | 16.63% | 16.39% | 14.67% | 11.22% | -94 bps | |
| Net Interest Margin | 3.65% | 3.54% | 3.58% | 3.63% | 3.84% | 3.71% | 3.68% | 3.71% | +8 bps | |
| Efficiency Ratio | 80.03% | 77.75% | 77.24% | 76.10% | 72.06% | 72.21% | 74.36% | 76.82% | +71 bps | |
| Non-Interest Burden | 2.53% | 2.33% | 2.36% | 2.40% | 2.20% | 2.09% | 2.25% | 2.58% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.19% | 8.37% | 7.73% | 6.93% | 7.18% | 1.36% | 7.51% | 3.38% | -355 bps | |
| Loan Growth (YoY) | 11.02% | 7.64% | 9.11% | 8.36% | 5.57% | 10.60% | 4.74% | 3.31% | -505 bps | |
| Deposit Growth (YoY) | -2.43% | 9.45% | 8.84% | 8.13% | 9.09% | 1.88% | 9.58% | 4.18% | -394 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.01% | +201 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.06% | 0.02% | 0.01% | 0.00% | 0.00% | -6 bps | |
| Allowance / Loans | 1.12% | 1.17% | 1.16% | 1.16% | 1.15% | 1.17% | 1.26% | 1.29% | +13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.6x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.76% | 9.65% | 9.70% | 9.11% | 9.47% | 9.23% | 9.17% | 9.37% | +26 bps | |
| Total Risk-Based Capital | 12.27% | 13.39% | 13.05% | 11.61% | 11.86% | 11.53% | 11.74% | 11.86% | +25 bps | |
| Equity / Assets | 9.66% | 9.66% | 9.59% | 9.11% | 9.21% | 9.41% | 8.94% | 9.46% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.66% | 89.15% | 90.92% | 92.88% | 90.65% | 96.78% | 86.91% | 92.10% | -78 bps | |
| Liquid Assets / Assets | 13.91% | 18.17% | 16.55% | 14.33% | 15.65% | 11.16% | 11.51% | 11.96% | -238 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |