Stapleton, NE · Cert 9820
FDIC · 2 branches
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.21% | 1.98% | 1.92% | 1.61% | 1.43% | -78 bps | |
| Return on Equity | 18.56% | 17.48% | 16.89% | 13.54% | 13.50% | -505 bps | |
| Net Interest Margin | 5.90% | 5.96% | 5.85% | 5.45% | 5.31% | -59 bps | |
| Efficiency Ratio | 66.34% | 65.44% | 69.41% | 73.95% | 77.62% | +1,128 bps | |
| Non-Interest Burden | 3.71% | 3.66% | 3.88% | 3.88% | 3.91% | +20 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.28% | 0.61% | 0.09% | -0.02% | -9 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 11.45% | 9.09% | n/a | |
| Total Risk-Based Capital | 11.56% | 11.17% | 12.60% | 12.84% | 10.69% | -87 bps | |
| Equity / Assets | 11.85% | 10.83% | 11.99% | 11.82% | 9.39% | -247 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.08% | 109.94% | 101.87% | 94.17% | 91.10% | -1,398 bps | |
| Liquid Assets / Assets | 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 |