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Security Home Bank

Malmo, NE · Cert 14639

FDIC · 1 branch

Q3 2019

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: Q3 2019, the quarter ended September 30, 2019, 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

Security Home Bank

Malmo, NE · Cert 14639

FDIC · 1 branch

Q3 2019

$38.0MAssets
$31.5MLoans
$24.6MDeposits
$5.3MEquity
Loan mix
85%RE $19.3M9%C&I $2.1M6%Consumer $1.3MQ3 2018Q3 2019
Deposit mix
89%Interest-bearing $21.9M11%Noninterest $2.7MQ3 2018Q3 2019

NIM

3.93%Q3 ’174.31%Q3 ’184.75%Q3 ’19+7%+3%

Non-interest income vs. expense

2.23%Q3 ’172.37%Q3 ’182.40%Q3 ’19+4%-1%

Market Position · Omaha-Council Bluffs, NE-IA · 2019 SOD (annual) · 0.1% share · #58 of 73 inst. · $0.0B of $33.8B

Executive Summary

  • Earnings: ROA of 1.09%, up 8 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.77%, up 148 bps from a year ago.
  • Funding: loans stand at 128.04% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

1.09%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+12 bps YoY

Efficiency Ratio (YTD, annualized)

62.38%-187 bps YoY

Tier 1 Leverage Ratio

13.77%+148 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets1.01%0.84%0.79%0.88%1.09%+8 bps
Return on Equity8.31%6.91%6.20%6.77%8.23%-9 bps
Net Interest Margin3.51%3.47%3.33%3.42%3.63%+12 bps
Efficiency Ratio64.26%69.34%70.41%67.97%62.38%-187 bps
Non-Interest Burden2.18%2.34%2.29%2.27%2.17%-1 bps
Growth
Asset Growth (YoY)-4.96%-2.33%-0.60%-1.35%-5.59%-63 bps
Loan Growth (YoY)-3.39%-3.16%-0.20%-2.51%-7.76%-438 bps
Deposit Growth (YoY)-0.80%1.98%1.95%2.33%3.25%+405 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.68%1.66%1.73%1.79%1.82%+14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.29%12.26%12.54%12.88%13.77%+148 bps
Total Risk-Based Capital16.46%16.40%17.37%18.30%18.88%+242 bps
Equity / Assets12.33%12.48%13.05%13.60%13.99%+167 bps
Liquidity & Funding
Loans / Deposits143.32%140.57%133.44%129.36%128.04%-1,528 bps
Liquid Assets / Assets9.92%9.83%11.38%12.28%13.05%+313 bps
CRE / Total Capitaln/an/an/an/an/an/an/a