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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.68% | 1.76% | 1.26% | 1.14% | 1.14% | -54 bps | |
| Return on Equity | 14.26% | 14.58% | 10.37% | 9.23% | 9.02% | -524 bps | |
| Net Interest Margin | 3.60% | 3.64% | 3.55% | 3.08% | 3.36% | -25 bps | |
| Efficiency Ratio | 32.43% | 31.73% | 43.55% | 41.08% | 45.19% | +1,276 bps | |
| Non-Interest Burden | 1.08% | 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 / Loans | 0.00% | 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 / Loans | 1.07% | 1.08% | 1.07% | 1.19% | 1.14% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 6.2x | 0.7x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.52% | 12.91% | 12.46% | 12.21% | 13.25% | +73 bps | |
| Total Risk-Based Capital | 15.16% | 15.11% | 14.91% | 16.70% | 16.23% | +106 bps | |
| Equity / Assets | 12.72% | 12.89% | 12.42% | 12.35% | 13.25% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.44% | 105.72% | 93.88% | 84.64% | 101.36% | +92 bps | |
| Liquid Assets / Assets | 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 |