North Platte, NE · Cert 5449
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
North Platte, NE · Cert 5449
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.92% | 0.92% | 0.84% | 0.64% | 0.60% | 0.64% | 0.63% | -21 bps | |
| Return on Equity | 9.23% | 11.64% | 11.45% | 10.52% | 8.30% | 7.87% | 8.36% | 8.29% | -223 bps | |
| Net Interest Margin | 3.28% | 3.26% | 3.31% | 3.20% | 2.99% | 3.07% | 3.10% | 3.18% | -2 bps | |
| Efficiency Ratio | 69.87% | 68.22% | 68.60% | 70.04% | 79.95% | 76.88% | 75.69% | 76.70% | +666 bps | |
| Non-Interest Burden | 2.03% | 1.96% | 1.99% | 1.97% | 2.23% | 2.17% | 2.14% | 2.24% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.36% | -5.19% | 3.10% | 5.65% | 0.34% | 0.42% | 0.97% | -3.46% | -911 bps | |
| Loan Growth (YoY) | 5.75% | 3.43% | 0.65% | -0.07% | 2.68% | 6.08% | 7.18% | 4.87% | +493 bps | |
| Deposit Growth (YoY) | 6.32% | -10.42% | 1.09% | 2.35% | -2.39% | -1.14% | 1.30% | -1.74% | -409 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 | 0.05% | -0.20% | -0.12% | -0.01% | 0.08% | 0.01% | -0.04% | -0.01% | 0 bps | |
| Allowance / Loans | 1.02% | 1.00% | 1.00% | 0.96% | 0.86% | 0.88% | 0.95% | 0.92% | -4 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 | 13.81% | 13.49% | 14.37% | 13.65% | 13.54% | 12.08% | 12.01% | 12.05% | -160 bps | |
| Equity / Assets | 7.73% | 7.97% | 8.57% | 7.80% | 7.64% | 7.37% | 7.67% | 7.58% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.31% | 85.10% | 82.19% | 78.92% | 83.43% | 91.31% | 86.96% | 84.23% | +531 bps | |
| Liquid Assets / Assets | 6.11% | 5.27% | 5.26% | 9.75% | 8.44% | 3.78% | 3.94% | 5.75% | -400 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |