Riverdale, NE · Cert 8330
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.90% | 1.04% | 0.95% | 0.63% | 1.01% | 1.17% | -0.21% | -116 bps | |
| Return on Equity | 11.60% | 10.97% | 12.65% | 10.95% | 7.25% | 11.58% | 13.01% | -2.41% | -1,336 bps | |
| Net Interest Margin | 3.77% | 3.53% | 3.78% | 3.48% | 3.34% | 3.67% | 4.00% | 4.05% | +56 bps | |
| Efficiency Ratio | 59.40% | 59.73% | 50.81% | 59.53% | 68.36% | 58.81% | 55.97% | 101.82% | +4,229 bps | |
| Non-Interest Burden | 2.16% | 2.01% | 1.74% | 1.94% | 2.23% | 1.99% | 2.13% | 4.26% | +232 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.72% | 32.02% | 32.37% | 26.88% | 19.00% | 10.57% | 12.83% | 9.75% | -1,713 bps | |
| Loan Growth (YoY) | 18.80% | 13.60% | 14.16% | 9.81% | 19.76% | 25.95% | 29.56% | 27.65% | +1,784 bps | |
| Deposit Growth (YoY) | 21.99% | 33.79% | 34.27% | 30.55% | 19.00% | 9.58% | 5.22% | 2.17% | -2,838 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 | -0.02% | 0.08% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.04% | +4 bps | |
| Allowance / Loans | 1.01% | 0.96% | 1.00% | 0.98% | 0.96% | 0.88% | 0.81% | 0.81% | -18 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 | 11.11% | 11.09% | 10.58% | 11.72% | 11.08% | 10.55% | 10.23% | 9.11% | -261 bps | |
| Equity / Assets | 8.27% | 8.20% | 8.24% | 9.04% | 8.46% | 9.04% | 9.01% | 8.55% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.80% | 75.00% | 77.99% | 77.11% | 74.27% | 86.20% | 96.03% | 96.33% | +1,923 bps | |
| Liquid Assets / Assets | 25.76% | 23.24% | 21.35% | 17.53% | 24.48% | 15.49% | 11.80% | 10.53% | -701 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |