Grand Island, NE · Charter 22921
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Grand Island, NE · Charter 22921
Q2 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.46% | -0.24% | -0.11% | 0.07% | 0.15% | -0.21% | -0.74% | -63 bps | |
| Return on Equity | 13.73% | 12.27% | -6.71% | -2.99% | 1.88% | 3.67% | -5.29% | -18.11% | -1,513 bps | |
| Net Interest Margin | 4.26% | 4.28% | 3.84% | 4.01% | 4.12% | 4.35% | 4.04% | 4.28% | +28 bps | |
| Efficiency Ratio | 90.29% | 91.00% | 103.25% | 100.54% | 97.10% | 94.72% | 102.47% | 110.88% | +1,034 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.19% | -8.86% | -9.79% | -9.54% | -2.77% | -5.48% | -10.04% | -12.90% | -336 bps | |
| Loan Growth (YoY) | 6.93% | 3.07% | -5.59% | -8.88% | -7.31% | -5.04% | -4.07% | -0.02% | +886 bps | |
| Share Growth (YoY) | -11.58% | -9.47% | -12.62% | -12.42% | -7.02% | -8.38% | -9.72% | -10.94% | +149 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 1.23% | 1.25% | 1.35% | 1.31% | 0.05% | 0.04% | 0.02% | -133 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.83% | 0.90% | 1.08% | 1.13% | 0.57% | 0.61% | 0.39% | -68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 3.61% | 3.71% | 3.50% | 3.68% | 3.85% | 4.08% | 4.06% | 4.08% | +40 bps | |
| Net Worth / Assets | 3.61% | 3.71% | 3.50% | 3.68% | 3.85% | 4.08% | 4.06% | 4.08% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.09% | 57.59% | 55.46% | 55.11% | 59.91% | 59.70% | 58.92% | 61.86% | +675 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |