Lexington, NE · Cert 30695
FDIC · 4 branches
Q4 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | -0.18% | -0.55% | 0.28% | -0.36% | -0.62% | -0.11% | -0.31% | -59 bps | |
| Return on Equity | -0.54% | -1.56% | -5.00% | 2.68% | -3.51% | -5.98% | -1.05% | -2.96% | -564 bps | |
| Net Interest Margin | 4.70% | 4.30% | 4.63% | 4.28% | 3.95% | 3.91% | 4.09% | 3.84% | -44 bps | |
| Efficiency Ratio | 101.19% | 103.57% | 93.02% | 94.43% | 108.04% | 112.89% | 102.16% | 106.89% | +1,246 bps | |
| Non-Interest Burden | 4.77% | 4.48% | 4.24% | 4.00% | 4.32% | 4.53% | 4.20% | 4.14% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.10% | 2.03% | 11.62% | 12.10% | 11.20% | 5.87% | -0.79% | -0.40% | -1,250 bps | |
| Loan Growth (YoY) | 24.90% | 22.05% | 14.59% | 8.96% | 0.14% | -1.80% | -2.35% | -11.24% | -2,020 bps | |
| Deposit Growth (YoY) | -9.34% | -0.84% | 12.19% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.44% | 1.32% | 0.09% | 0.26% | 0.05% | 0.16% | 0.45% | +36 bps | |
| Allowance / Loans | 1.71% | 1.51% | 1.44% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 10.38% | 10.24% | 10.42% | 10.13% | n/a | |
| Total Risk-Based Capital | 15.13% | 14.29% | 13.99% | 13.59% | 14.87% | 14.06% | 13.91% | 13.37% | -22 bps | |
| Equity / Assets | 11.82% | 11.32% | 10.70% | 10.38% | 10.44% | 10.38% | 10.58% | 10.08% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.99% | 117.30% | 110.47% | 109.47% | 101.39% | 106.33% | 109.33% | 97.33% | -1,214 bps | |
| Liquid Assets / Assets | 2.55% | 3.28% | 3.25% | 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 | n/a | n/a | n/a |