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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.75% | 0.61% | 0.93% | 0.97% | +18 bps | |
| Return on Equity | 8.60% | 8.34% | 6.96% | 10.46% | 10.80% | +220 bps | |
| Net Interest Margin | 3.20% | 3.12% | 2.94% | 3.09% | 3.20% | 0 bps | |
| Efficiency Ratio | 77.40% | 77.04% | 80.69% | 72.78% | 71.99% | -541 bps | |
| Non-Interest Burden | 2.37% | 2.33% | 2.30% | 2.12% | 2.19% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.52% | 0.51% | 1.09% | 5.62% | 5.04% | +452 bps | |
| Loan Growth (YoY) | 0.16% | -2.39% | 0.39% | 3.06% | 2.51% | +235 bps | |
| Deposit Growth (YoY) | 6.06% | 3.17% | 0.11% | 5.79% | 6.52% | +46 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.59% | 0.14% | 0.04% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.00% | 0.08% | -0.02% | -2 bps | |
| Allowance / Loans | 0.97% | 0.95% | 0.97% | 0.92% | 0.92% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.6x | 6.4x | 22.5x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.97% | 8.96% | 8.89% | 8.94% | 8.92% | -5 bps | |
| Total Risk-Based Capital | 14.19% | 13.89% | 14.58% | 14.40% | 14.51% | +32 bps | |
| Equity / Assets | 9.16% | 8.77% | 8.83% | 8.89% | 9.09% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.63% | 88.99% | 86.03% | 88.13% | 89.14% | -349 bps | |
| Liquid Assets / Assets | 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 |