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Bank of Stapleton

Stapleton, NE · Cert 9820

FDIC · 2 branches

Q2 2015

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 2015, the quarter ended June 30, 2015, 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

Bank of Stapleton

Stapleton, NE · Cert 9820

FDIC · 2 branches

Q2 2015

$25.5MAssets
$21.0MLoans
$23.0MDeposits
$2.4MEquity
Loan mix
35%RE $4.4M43%C&I $5.3M22%Consumer $2.7MQ2 2014Q2 2015
Deposit mix
79%Interest-bearing $18.3M21%Noninterest $4.8MQ2 2014Q2 2015

NIM

5.93%Q2 ’136.13%Q2 ’145.80%Q2 ’15+5%-5%

Non-interest income vs. expense

4.29%Q2 ’134.17%Q2 ’144.69%Q2 ’15-4%+9%

Executive Summary

  • Earnings: ROA of 1.52%, down 61 bps year over year; NIM at 5.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.09%.
  • Funding: loans stand at 91.10% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

1.52%-61 bps YoY

Net Interest Margin (YTD, annualized)

5.42%-29 bps YoY

Efficiency Ratio (YTD, annualized)

75.80%+943 bps YoY

Tier 1 Leverage Ratio

9.09%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets2.13%2.06%2.04%1.61%1.52%-61 bps
Return on Equity18.06%17.87%17.60%13.54%13.75%-431 bps
Net Interest Margin5.71%5.62%5.63%5.45%5.42%-29 bps
Efficiency Ratio66.37%66.04%66.91%73.95%75.80%+943 bps
Non-Interest Burden3.60%3.51%3.57%3.88%3.93%+33 bps
Growth
Asset Growth (YoY)9.19%15.86%10.45%9.49%2.82%-636 bps
Loan Growth (YoY)14.89%13.61%14.71%1.80%-7.84%-2,274 bps
Deposit Growth (YoY)7.95%13.43%8.06%9.77%6.30%-165 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.12%0.25%0.09%0.04%-1 bps
Allowance / Loans0.89%0.85%0.74%0.77%0.79%-10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a11.45%9.09%n/a
Total Risk-Based Capital11.56%11.17%12.60%12.84%10.69%-87 bps
Equity / Assets11.85%10.83%11.99%11.82%9.39%-247 bps
Liquidity & Funding
Loans / Deposits105.08%109.94%101.87%94.17%91.10%-1,398 bps
Liquid Assets / Assets3.18%1.93%2.14%1.92%1.96%-123 bps
CRE / Total Capitaln/an/an/an/an/an/an/a