Falls City, NE · Cert 8598
FDIC · 2 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Falls City, NE · Cert 8598
FDIC · 2 branches
Q3 2015
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.84% | 1.24% | 1.51% | 1.66% | 1.72% | 1.70% | 1.85% | 1.92% | +26 bps | |
| Return on Equity | 15.69% | 10.72% | 12.96% | 14.35% | 14.89% | 14.60% | 16.02% | 16.68% | +233 bps | |
| Net Interest Margin | 3.50% | 3.52% | 3.51% | 3.49% | 3.43% | 3.54% | 3.64% | 3.66% | +18 bps | |
| Efficiency Ratio | 40.08% | 45.92% | 43.04% | 41.87% | 41.50% | 45.35% | 42.55% | 41.54% | -33 bps | |
| Non-Interest Burden | 1.27% | 1.52% | 1.41% | 1.36% | 1.33% | 1.44% | 1.38% | 1.36% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.56% | 10.74% | 8.26% | 9.44% | 13.69% | 2.86% | 5.50% | 3.70% | -574 bps | |
| Loan Growth (YoY) | 12.68% | 8.37% | 6.89% | 4.14% | 7.88% | 9.92% | 14.16% | 10.69% | +656 bps | |
| Deposit Growth (YoY) | 9.74% | 10.93% | 7.84% | 2.96% | 1.34% | -2.04% | 3.19% | 0.75% | -220 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 | 0.06% | 0.07% | 0.15% | 0.15% | 0.16% | 0.22% | 0.40% | 0.27% | +13 bps | |
| Allowance / Loans | 1.01% | 1.23% | 1.30% | 1.34% | 1.32% | 1.38% | 1.21% | 1.26% | -8 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 | 7.65% | 7.58% | 7.54% | n/a | |
| Total Risk-Based Capital | 11.07% | 11.66% | 12.33% | 12.03% | 11.65% | 11.62% | 11.03% | 11.10% | -93 bps | |
| Equity / Assets | 11.68% | 11.54% | 11.73% | 11.45% | 11.34% | 11.94% | 11.46% | 11.45% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.42% | 73.86% | 79.84% | 85.00% | 89.87% | 82.87% | 88.32% | 93.38% | +838 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |