Marquette, NE · Cert 5436
FDIC
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 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.
Marquette, NE · Cert 5436
FDIC
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.35% | 1.33% | 1.54%1 | 1.20% | 1.09% | 0.90% | -1.37% | -291 bps | |
| Return on Equity | 6.59% | 6.56% | 6.54% | 7.97% | 6.26% | 5.70% | 4.69% | -7.15% | -1,512 bps | |
| Net Interest Margin | 3.03% | 3.06% | 3.03% | 2.62% | 2.68% | 2.69% | 2.82% | 2.54% | -8 bps | |
| Efficiency Ratio | 61.51% | 58.17% | 61.09% | 60.87% | 62.06% | 61.22% | 62.41% | 74.45% | +1,358 bps | |
| Non-Interest Burden | 1.72% | 1.63% | 1.72% | 1.49% | 1.57% | 1.55% | 1.63% | 1.79% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.00% | 9.79% | 13.01% | 8.76% | 6.81% | 3.29% | -4.27% | -15.67% | -2,443 bps | |
| Loan Growth (YoY) | -2.54% | -2.75% | -0.83% | 6.49% | 6.07% | 0.10% | -14.81% | -21.93% | -2,842 bps | |
| Deposit Growth (YoY) | 6.18% | 12.47% | 16.05% | 10.45% | 9.54% | 8.85% | -3.44% | -14.54% | -2,498 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 | -0.07% | -0.18% | -0.11% | -0.10% | -0.05% | -0.07% | -0.06% | -0.16% | -6 bps | |
| Allowance / Loans | 1.93% | 1.94% | 1.77% | 2.04% | 2.05% | 2.09% | 2.28% | 2.70% | +66 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 36.48% | 35.25% | 32.75% | 30.28% | 31.17% | 31.57% | 35.31% | 39.44% | +916 bps | |
| Equity / Assets | 20.65% | 20.42% | 19.57% | 19.06% | 18.83% | 19.04% | 18.97% | 19.31% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.73% | 61.51% | 62.05% | 56.00% | 56.87% | 56.57% | 54.75% | 51.16% | -485 bps | |
| Liquid Assets / Assets | 4.57% | 4.42% | 5.50% | 3.48% | 3.56% | 2.85% | 3.00% | 2.47% | -101 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |