PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Richardson County Bank & Trust Co.

Falls City, NE · Cert 8598

FDIC · 2 branches

Q3 2015

$138.2MAssets
$98.6MLoans
$105.6MDeposits
$15.8MEquity
Loan mix
72%RE $54.0M16%C&I $12.2M12%Consumer $9.0MQ4 2013Q3 2015
Deposit mix
80%Interest-bearing $84.7M20%Noninterest $20.8MQ4 2013Q3 2015

Executive Summary

  • Earnings: ROA of 2.07%, up 10 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 7.54%.
  • Funding: loans stand at 93.38% of deposits as of Q3 2015.

Return on Assets (quarter, annualized)

2.07%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.82%+26 bps YoY

Efficiency Ratio (quarter, annualized)

39.63%+4 bps YoY

Tier 1 Leverage Ratio

7.54%

NIM

4.32%Q3 ’134.15%Q3 ’144.26%Q3 ’15-4%+7%

Non-interest income vs. expense

1.54%Q3 ’131.50%Q3 ’141.55%Q3 ’15+1%+3%

Discrete quarter, annualized.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets1.93%1.24%1.76%1.97%1.88%1.70%2.03%2.07%+10 bps
Return on Equity16.82%10.72%15.09%16.96%16.50%14.60%17.39%18.06%+110 bps
Net Interest Margin3.75%3.52%3.60%3.56%3.47%3.54%3.82%3.82%+26 bps
Efficiency Ratio38.19%45.92%40.29%39.59%40.43%45.35%39.98%39.63%+4 bps
Non-Interest Burden1.29%1.52%1.35%1.31%1.32%1.44%1.35%1.34%+4 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.07%0.23%0.16%0.23%0.22%0.60%0.03%-13 bps
Allowance / Loans1.01%1.23%1.30%1.34%1.32%1.38%1.21%1.26%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/a7.65%7.58%7.54%n/a
Total Risk-Based Capital11.07%11.66%12.33%12.03%11.65%11.62%11.03%11.10%-93 bps
Equity / Assets11.68%11.54%11.73%11.45%11.34%11.94%11.46%11.45%-1 bps
Liquidity & Funding
Loans / Deposits84.42%73.86%79.84%85.00%89.87%82.87%88.32%93.38%+838 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a