Stapleton, NE · Cert 9820
FDIC · 2 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Stapleton, NE · Cert 9820
FDIC · 2 branches
Q2 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.03% | 1.91% | 2.06% | 2.13% | 2.06% | 2.04% | 1.61% | 1.52% | -61 bps | |
| Return on Equity | 18.67% | 17.37% | 17.53% | 18.06% | 17.87% | 17.60% | 13.54% | 13.75% | -431 bps | |
| Net Interest Margin | 5.66% | 5.72% | 5.58% | 5.71% | 5.62% | 5.63% | 5.45% | 5.42% | -29 bps | |
| Efficiency Ratio | 67.35% | 70.20% | 66.40% | 66.37% | 66.04% | 66.91% | 73.95% | 75.80% | +943 bps | |
| Non-Interest Burden | 3.61% | 3.80% | 3.52% | 3.60% | 3.51% | 3.57% | 3.88% | 3.93% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.07% | 4.66% | -1.59% | 9.19% | 15.86% | 10.45% | 9.49% | 2.82% | -636 bps | |
| Loan Growth (YoY) | 1.55% | 4.31% | 14.80% | 14.89% | 13.61% | 14.71% | 1.80% | -7.84% | -2,274 bps | |
| Deposit Growth (YoY) | -7.95% | 4.05% | -3.25% | 7.95% | 13.43% | 8.06% | 9.77% | 6.30% | -165 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 | -0.01% | -0.02% | 0.02% | 0.04% | 0.12% | 0.25% | 0.09% | 0.04% | -1 bps | |
| Allowance / Loans | 0.92% | 0.99% | 0.97% | 0.89% | 0.85% | 0.74% | 0.77% | 0.79% | -10 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 | n/a | 11.45% | 9.09% | n/a | |
| Total Risk-Based Capital | 11.40% | 11.88% | 12.29% | 11.56% | 11.17% | 12.60% | 12.84% | 10.69% | -87 bps | |
| Equity / Assets | 11.14% | 11.49% | 12.02% | 11.85% | 10.83% | 11.99% | 11.82% | 9.39% | -247 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.76% | 95.96% | 101.54% | 105.08% | 109.94% | 101.87% | 94.17% | 91.10% | -1,398 bps | |
| Liquid Assets / Assets | 2.55% | 2.56% | 3.38% | 3.18% | 1.93% | 2.14% | 1.92% | 1.96% | -123 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |