Alcester, SD · Cert 1116
FDIC · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Alcester, SD · Cert 1116
FDIC · 1 branch
Q3 2017
Market Position · Sioux City, IA-NE-SD · 2017 SOD (annual) · 2.4% share · #13 of 35 inst. · $0.1B of $4.1B
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.57% | 0.59% | 0.66% | 0.68% | 0.61% | 0.77% | 0.84% | +18 bps | |
| Return on Equity | 5.83% | 6.57% | 6.74% | 7.37% | 7.63% | 6.96% | 8.73% | 9.43% | +206 bps | |
| Net Interest Margin | 3.07% | 3.08% | 3.13% | 3.17% | 3.13% | 2.94% | 3.01% | 3.03% | -13 bps | |
| Efficiency Ratio | 83.20% | 83.05% | 82.11% | 80.52% | 79.67% | 80.69% | 76.57% | 74.98% | -553 bps | |
| Non-Interest Burden | 2.49% | 2.49% | 2.49% | 2.47% | 2.41% | 2.30% | 2.20% | 2.17% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.85% | -0.84% | -1.09% | 0.52% | 0.51% | 1.09% | 5.62% | 5.04% | +452 bps | |
| Loan Growth (YoY) | -7.91% | -3.92% | -1.09% | 0.16% | -2.39% | 0.39% | 3.06% | 2.51% | +235 bps | |
| Deposit Growth (YoY) | 5.55% | 6.64% | 6.18% | 6.06% | 3.17% | 0.11% | 5.79% | 6.52% | +46 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.59% | 0.14% | 0.04% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.04% | 0.02% | +2 bps | |
| Allowance / Loans | 0.94% | 0.98% | 0.98% | 0.97% | 0.95% | 0.97% | 0.92% | 0.92% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.6x | 6.4x | 22.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.68% | 8.53% | 8.82% | 8.97% | 8.96% | 8.89% | 8.94% | 8.92% | -5 bps | |
| Total Risk-Based Capital | 12.74% | 13.48% | 14.56% | 14.19% | 13.89% | 14.58% | 14.40% | 14.51% | +32 bps | |
| Equity / Assets | 8.63% | 8.74% | 9.13% | 9.16% | 8.77% | 8.83% | 8.89% | 9.09% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.06% | 85.79% | 90.46% | 92.63% | 88.99% | 86.03% | 88.13% | 89.14% | -349 bps | |
| Liquid Assets / Assets | 1.11% | 1.41% | 1.27% | 0.71% | 0.73% | 0.89% | 0.82% | 0.92% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |