Alma, NE · Cert 34139
FDIC · 2 branches
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.35% | 1.51% | 1.23% | 1.60% | 1.65% | 1.96% | 1.89% | +66 bps | |
| Return on Equity | 14.30% | 13.21% | 14.09% | 11.22% | 14.89% | 15.05% | 17.49% | 17.47% | +626 bps | |
| Net Interest Margin | 3.38% | 3.24% | 3.35% | 3.49% | 3.44% | 3.34% | 3.51% | 3.65% | +17 bps | |
| Efficiency Ratio | 71.52% | 65.12% | 63.72% | 66.03% | 59.51% | 58.12% | 54.45% | 52.32% | -1,371 bps | |
| Non-Interest Burden | 2.32% | 1.98% | 1.99% | 2.18% | 1.83% | 1.77% | 1.75% | 1.76% | -41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.60% | 1.88% | 3.89% | -4.50% | 3.09% | -1.93% | 4.17% | 12.26% | +1,676 bps | |
| Loan Growth (YoY) | -3.41% | 3.76% | 5.07% | 1.88% | 10.97% | 6.96% | 6.12% | 10.72% | +884 bps | |
| Deposit Growth (YoY) | -12.00% | -5.74% | 4.16% | 3.13% | 4.76% | -10.26% | -14.30% | -9.59% | -1,271 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 | 0.16% | -0.05% | -0.02% | 0.01% | 0.87% | -0.05% | 0.03% | -0.01% | -3 bps | |
| Allowance / Loans | 2.14% | 2.24% | 2.02% | 1.91% | 1.72% | 1.87% | 1.69% | 1.54% | -37 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 | n/a | 11.24% | 11.22% | 10.95% | n/a | |
| Total Risk-Based Capital | 14.68% | 16.03% | 15.88% | 15.88% | 14.99% | 16.34% | 16.13% | 15.38% | -50 bps | |
| Equity / Assets | 9.91% | 10.57% | 10.84% | 11.14% | 10.41% | 11.59% | 10.84% | 10.83% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.61% | 63.12% | 71.39% | 75.79% | 71.62% | 75.24% | 88.39% | 92.81% | +1,702 bps | |
| Liquid Assets / Assets | 12.51% | 13.21% | 11.97% | 10.34% | 11.77% | 11.36% | 8.85% | 9.44% | -90 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |