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Byron State Bank

Byron, NE · Cert 22350

FDIC · 1 branch

Q2 2017

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: Q2 2017, the quarter ended June 30, 2017, 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

Byron State Bank

Byron, NE · Cert 22350

FDIC · 1 branch

Q2 2017

$43.6MAssets
$37.0MLoans
$36.5MDeposits
$5.8MEquity
Loan mix
66%RE $16.0M25%C&I $6.0M9%Consumer $2.2MQ2 2016Q2 2017
Deposit mix
90%Interest-bearing $32.9M10%Noninterest $3.6MQ2 2016Q2 2017

NIM

3.80%Q2 ’154.18%Q2 ’163.99%Q2 ’17+10%-7%

Non-interest income vs. expense

1.19%Q2 ’151.21%Q2 ’161.57%Q2 ’17+5%+35%

Executive Summary

  • Earnings: ROA of 1.14%, down 54 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 1.55% of loans (+155 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 13.25%, up 73 bps from a year ago.
  • Funding: loans stand at 101.36% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

1.14%-54 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-25 bps YoY

Efficiency Ratio (YTD, annualized)

45.19%+1,276 bps YoY

Tier 1 Leverage Ratio

13.25%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets1.68%1.76%1.26%1.14%1.14%-54 bps
Return on Equity14.26%14.58%10.37%9.23%9.02%-524 bps
Net Interest Margin3.60%3.64%3.55%3.08%3.36%-25 bps
Efficiency Ratio32.43%31.73%43.55%41.08%45.19%+1,276 bps
Non-Interest Burden1.08%1.05%1.46%1.20%1.45%+37 bps
Growth
Asset Growth (YoY)-3.71%-5.73%-3.96%3.10%1.93%+565 bps
Loan Growth (YoY)6.28%3.90%-6.26%-7.38%-0.71%-699 bps
Deposit Growth (YoY)-4.78%-10.48%-1.82%2.65%-1.61%+317 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.19%1.55%+155 bps
Net Charge-Offs / Loans-0.02%-0.02%0.12%0.02%-0.01%+1 bps
Allowance / Loans1.07%1.08%1.07%1.19%1.14%+7 bps
Allowance Coverage of NPLsn/an/an/a6.2x0.7xn/a
Capital
Tier 1 Leverage Ratio12.52%12.91%12.46%12.21%13.25%+73 bps
Total Risk-Based Capital15.16%15.11%14.91%16.70%16.23%+106 bps
Equity / Assets12.72%12.89%12.42%12.35%13.25%+52 bps
Liquidity & Funding
Loans / Deposits100.44%105.72%93.88%84.64%101.36%+92 bps
Liquid Assets / Assets9.59%8.23%8.77%21.18%10.91%+132 bps
CRE / Total Capitaln/an/an/an/an/an/an/a