Byron, NE · Cert 22350
FDIC · 1 branch
Q2 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Byron, NE · Cert 22350
FDIC · 1 branch
Q2 2017
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.07% | 1.72% | 1.68% | 1.76% | 1.26% | 1.14% | 1.14% | -54 bps | |
| Return on Equity | 13.45% | 9.73% | 15.10% | 14.26% | 14.58% | 10.37% | 9.23% | 9.02% | -524 bps | |
| Net Interest Margin | 3.24% | 3.28% | 3.46% | 3.60% | 3.64% | 3.55% | 3.08% | 3.36% | -25 bps | |
| Efficiency Ratio | 33.53% | 46.50% | 32.03% | 32.43% | 31.73% | 43.55% | 41.08% | 45.19% | +1,276 bps | |
| Non-Interest Burden | 0.98% | 1.45% | 1.02% | 1.08% | 1.05% | 1.46% | 1.20% | 1.45% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.41% | 3.31% | 3.27% | -3.71% | -5.73% | -3.96% | 3.10% | 1.93% | +565 bps | |
| Loan Growth (YoY) | 14.35% | 20.38% | 18.02% | 6.28% | 3.90% | -6.26% | -7.38% | -0.71% | -699 bps | |
| Deposit Growth (YoY) | 5.23% | 4.98% | 2.55% | -4.78% | -10.48% | -1.82% | 2.65% | -1.61% | +317 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.19% | 1.55% | +155 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.02% | -0.02% | -0.02% | 0.12% | 0.02% | -0.01% | +1 bps | |
| Allowance / Loans | 0.94% | 0.94% | 1.05% | 1.07% | 1.08% | 1.07% | 1.19% | 1.14% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 6.2x | 0.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.36% | 11.05% | 11.58% | 12.52% | 12.91% | 12.46% | 12.21% | 13.25% | +73 bps | |
| Total Risk-Based Capital | 14.33% | 13.57% | 14.69% | 15.16% | 15.11% | 14.91% | 16.70% | 16.23% | +106 bps | |
| Equity / Assets | 11.15% | 10.94% | 11.85% | 12.72% | 12.89% | 12.42% | 12.35% | 13.25% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.09% | 98.32% | 93.80% | 100.44% | 105.72% | 93.88% | 84.64% | 101.36% | +92 bps | |
| Liquid Assets / Assets | 11.56% | 12.00% | 10.89% | 9.59% | 8.23% | 8.77% | 21.18% | 10.91% | +132 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |