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Oak Creek Valley Bank

Valparaiso, NE · Cert 8355

FDIC · 1 branch

Q2 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2019, the quarter ended June 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Oak Creek Valley Bank

Valparaiso, NE · Cert 8355

FDIC · 1 branch

Q2 2019

$86.4MAssets
$53.8MLoans
$62.9MDeposits
$13.6MEquity
Loan mix
88%RE $29.1M10%C&I $3.3M2%Consumer $0.7MQ2 2018Q2 2019
Deposit mix
90%Interest-bearing $56.7M10%Noninterest $6.2MQ2 2018Q2 2019

NIM

4.11%Q2 ’174.31%Q2 ’184.47%Q2 ’19+1%-5%

Non-interest income vs. expense

2.15%Q2 ’172.25%Q2 ’182.16%Q2 ’19+8%-4%

Market Position · Omaha-Council Bluffs, NE-IA · 2019 SOD (annual) · 0.2% share · #40 of 73 inst. · $0.1B of $33.8B

Executive Summary

  • Earnings: ROA of 1.26%, down 30 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 1.89% of loans (+185 bps YoY), with net charge-offs at 0.71%.
  • Capital: tier 1 leverage ratio of 11.37%, down 41 bps from a year ago.
  • Funding: loans stand at 85.62% of deposits as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

1.26%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.55%-18 bps YoY

Efficiency Ratio (YTD, annualized)

52.00%+110 bps YoY

Tier 1 Leverage Ratio

11.37%-41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets1.56%1.54%1.54%1.28%1.26%-30 bps
Return on Equity9.96%9.95%10.00%8.43%8.19%-177 bps
Net Interest Margin3.73%3.64%3.62%3.60%3.55%-18 bps
Efficiency Ratio50.91%49.73%49.35%54.25%52.00%+110 bps
Non-Interest Burden1.87%1.82%1.80%2.03%1.79%-8 bps
Growth
Asset Growth (YoY)-1.55%-1.11%3.96%6.28%5.93%+748 bps
Loan Growth (YoY)-0.34%1.02%2.95%6.33%5.76%+610 bps
Deposit Growth (YoY)0.61%0.12%-3.90%-3.42%0.48%-13 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.18%0.19%0.01%1.89%+185 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.71%+71 bps
Allowance / Loans1.24%1.23%1.30%1.34%1.22%-1 bps
Allowance Coverage of NPLs28.6x6.8x6.8x240.0x0.6x-28.0x
Capital
Tier 1 Leverage Ratio11.78%11.88%11.73%11.12%11.37%-41 bps
Total Risk-Based Capital15.91%15.60%15.43%15.22%15.89%-2 bps
Equity / Assets15.72%14.96%15.15%15.26%15.76%+4 bps
Liquidity & Funding
Loans / Deposits81.34%89.29%88.77%88.31%85.62%+428 bps
Liquid Assets / Assets0.03%0.02%0.06%0.04%0.00%-3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a