Sidney, NE · Cert 57079
FDIC · 1 branch
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.37% | 2.11% | 1.90% | 3.05% | 2.79% | +43 bps | |
| Return on Equity | 23.09% | 20.82% | 18.22% | 28.24% | 24.70% | +161 bps | |
| Net Interest Margin | 9.03% | 9.26% | 9.72% | 9.52% | 10.11% | +109 bps | |
| Efficiency Ratio | 63.60% | 61.74% | 62.48% | 57.31% | 57.55% | -606 bps | |
| Non-Interest Burden | 2.86% | 2.89% | 3.22% | 2.67% | 2.65% | -20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.99% | 19.46% | 9.58% | 10.02% | 0.44% | -2,156 bps | |
| Loan Growth (YoY) | 15.76% | 14.03% | 11.54% | 9.62% | 7.85% | -791 bps | |
| Deposit Growth (YoY) | 44.31% | 32.29% | 32.49% | 41.28% | -8.06% | -5,237 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.50% | 0.43% | +43 bps | |
| Net Charge-Offs / Loans | 1.79% | 1.89% | 2.29% | 2.79% | 2.64% | +85 bps | |
| Allowance / Loans | 1.62% | 1.92% | 2.06% | 2.09% | 2.16% | +54 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 4.2x | 5.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.56% | 10.38% | 10.97% | 10.55% | 11.41% | +85 bps | |
| Total Risk-Based Capital | 11.81% | 12.12% | 11.91% | 12.56% | 12.84% | +103 bps | |
| Equity / Assets | 9.95% | 10.34% | 10.52% | 11.10% | 11.50% | +155 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 429% | 449% | 487% | 433% | 503% | +7,427 bps | |
| Liquid Assets / Assets | 7.15% | 6.14% | 0.88% | 0.90% | 0.96% | -619 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |