Valparaiso, NE · Cert 8355
FDIC · 1 branch
Q2 2019
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Valparaiso, NE · Cert 8355
FDIC · 1 branch
Q2 2019
Market Position · Omaha-Council Bluffs, NE-IA · 2019 SOD (annual) · 0.2% share · #40 of 73 inst. · $0.1B of $33.8B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.50% | 1.25% | 1.56% | 1.54% | 1.54% | 1.28% | 1.26% | -30 bps | |
| Return on Equity | 9.65% | 9.68% | 8.03% | 9.96% | 9.95% | 10.00% | 8.43% | 8.19% | -177 bps | |
| Net Interest Margin | 3.66% | 3.72% | 3.67% | 3.73% | 3.64% | 3.62% | 3.60% | 3.55% | -18 bps | |
| Efficiency Ratio | 47.22% | 48.45% | 54.02% | 50.91% | 49.73% | 49.35% | 54.25% | 52.00% | +110 bps | |
| Non-Interest Burden | 1.79% | 1.84% | 2.10% | 1.87% | 1.82% | 1.80% | 2.03% | 1.79% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.90% | 1.19% | -0.51% | -1.55% | -1.11% | 3.96% | 6.28% | 5.93% | +748 bps | |
| Loan Growth (YoY) | 1.46% | 3.79% | 1.11% | -0.34% | 1.02% | 2.95% | 6.33% | 5.76% | +610 bps | |
| Deposit Growth (YoY) | -2.16% | 1.08% | 0.53% | 0.61% | 0.12% | -3.90% | -3.42% | 0.48% | -13 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.47% | 0.24% | 0.04% | 0.18% | 0.19% | 0.01% | 1.89% | +185 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.71% | +71 bps | |
| Allowance / Loans | 1.01% | 1.11% | 1.19% | 1.24% | 1.23% | 1.30% | 1.34% | 1.22% | -1 bps | |
| Allowance Coverage of NPLs | 3.7x | 2.3x | 4.9x | 28.6x | 6.8x | 6.8x | 240.0x | 0.6x | -28.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.41% | 11.47% | 11.14% | 11.78% | 11.88% | 11.73% | 11.12% | 11.37% | -41 bps | |
| Total Risk-Based Capital | 15.47% | 16.13% | 15.20% | 15.91% | 15.60% | 15.43% | 15.22% | 15.89% | -2 bps | |
| Equity / Assets | 15.40% | 15.90% | 15.23% | 15.72% | 14.96% | 15.15% | 15.26% | 15.76% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.50% | 82.87% | 80.21% | 81.34% | 89.29% | 88.77% | 88.31% | 85.62% | +428 bps | |
| Liquid Assets / Assets | 0.02% | 0.19% | 0.01% | 0.03% | 0.02% | 0.06% | 0.04% | 0.00% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |