Lexington, NE · Cert 30695
FDIC · 4 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Lexington, NE · Cert 30695
FDIC · 4 branches
Q4 2015
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.12% | -0.36% | -0.49% | -0.37% | -0.35% | -23 bps | |
| Return on Equity | -1.11% | -3.51% | -4.74% | -3.52% | -3.38% | -227 bps | |
| Net Interest Margin | 4.22% | 3.95% | 3.93% | 4.04% | 3.93% | -29 bps | |
| Efficiency Ratio | 97.80% | 108.04% | 110.53% | 107.61% | 107.44% | +964 bps | |
| Non-Interest Burden | 4.11% | 4.32% | 4.42% | 4.41% | 4.28% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.10% | 11.20% | 5.87% | -0.79% | -0.40% | -1,250 bps | |
| Loan Growth (YoY) | 8.96% | 0.14% | -1.80% | -2.35% | -11.24% | -2,020 bps | |
| Deposit Growth (YoY) | 11.84% | 11.60% | 8.33% | -1.34% | -0.17% | -1,201 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.48% | 0.26% | 0.15% | 0.16% | 0.24% | -24 bps | |
| Allowance / Loans | 1.38% | 1.43% | 1.38% | 1.34% | 1.31% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | 10.38% | 10.24% | 10.42% | 10.13% | n/a | |
| Total Risk-Based Capital | 13.59% | 14.87% | 14.06% | 13.91% | 13.37% | -22 bps | |
| Equity / Assets | 10.38% | 10.44% | 10.38% | 10.58% | 10.08% | -31 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.47% | 101.39% | 106.33% | 109.33% | 97.33% | -1,214 bps | |
| Liquid Assets / Assets | 4.05% | 3.03% | 2.98% | 2.90% | 5.10% | +105 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |