Fullerton, NE · Cert 5406
FDIC · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Fullerton, NE · Cert 5406
FDIC · 1 branch
Q4 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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.39% | 1.47% | 1.45% | 1.42% | 1.45% | 1.57% | 1.54% | +8 bps | |
| Return on Equity | 11.67% | 12.45% | 13.23% | 13.20% | 12.68% | 12.89% | 13.80% | 13.39% | +19 bps | |
| Net Interest Margin | 3.49% | 3.45% | 3.44% | 3.52% | 3.49% | 3.50% | 3.56% | 3.61% | +9 bps | |
| Efficiency Ratio | 63.33% | 60.31% | 58.77% | 58.60% | 58.94% | 58.45% | 56.64% | 57.27% | -132 bps | |
| Non-Interest Burden | 2.11% | 1.98% | 1.92% | 1.96% | 1.96% | 1.94% | 1.91% | 1.96% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.38% | 3.24% | 4.74% | 4.69% | -0.85% | 0.53% | -0.61% | -4.24% | -892 bps | |
| Loan Growth (YoY) | 8.03% | 0.30% | 2.60% | -0.55% | 1.11% | 3.64% | 2.08% | 2.82% | +337 bps | |
| Deposit Growth (YoY) | 3.60% | 9.21% | 8.11% | 4.24% | -1.42% | -7.39% | -2.89% | -5.15% | -939 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.22% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.20% | 0.16% | 0.00% | 0.00% | 0.00% | 0.01% | -15 bps | |
| Allowance / Loans | 1.95% | 1.96% | 1.72% | 1.84% | 1.83% | 1.79% | 1.76% | 1.89% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 146.0x | 196.7x | 7.9x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.16% | 11.31% | 11.29% | 11.17% | 11.69% | 11.59% | 11.80% | 11.91% | +74 bps | |
| Total Risk-Based Capital | 15.01% | 15.15% | 14.90% | 14.97% | 15.73% | 15.36% | 15.49% | 16.27% | +130 bps | |
| Equity / Assets | 11.24% | 11.23% | 11.07% | 10.65% | 11.77% | 11.46% | 11.59% | 12.01% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.96% | 99.35% | 105.84% | 98.91% | 99.45% | 111.18% | 111.26% | 107.23% | +832 bps | |
| Liquid Assets / Assets | 19.04% | 19.80% | 19.22% | 23.86% | 19.42% | 19.31% | 18.93% | 20.38% | -348 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |