Malmo, NE · Cert 14639
FDIC · 1 branch
Q3 2019
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Malmo, NE · Cert 14639
FDIC · 1 branch
Q3 2019
Market Position · Omaha-Council Bluffs, NE-IA · 2019 SOD (annual) · 0.1% share · #58 of 73 inst. · $0.0B of $33.8B
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.88% | 1.02% | 1.01% | 0.84% | 0.79% | 0.88% | 1.09% | +8 bps | |
| Return on Equity | 6.72% | 7.48% | 8.44% | 8.31% | 6.91% | 6.20% | 6.77% | 8.23% | -9 bps | |
| Net Interest Margin | 3.34% | 3.44% | 3.58% | 3.51% | 3.47% | 3.33% | 3.42% | 3.63% | +12 bps | |
| Efficiency Ratio | 70.69% | 67.52% | 64.33% | 64.26% | 69.34% | 70.41% | 67.97% | 62.38% | -187 bps | |
| Non-Interest Burden | 2.31% | 2.26% | 2.22% | 2.18% | 2.34% | 2.29% | 2.27% | 2.17% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.31% | 0.79% | -4.91% | -4.96% | -2.33% | -0.60% | -1.35% | -5.59% | -63 bps | |
| Loan Growth (YoY) | 3.82% | 4.85% | -2.35% | -3.39% | -3.16% | -0.20% | -2.51% | -7.76% | -438 bps | |
| Deposit Growth (YoY) | -1.89% | -1.74% | 0.80% | -0.80% | 1.98% | 1.95% | 2.33% | 3.25% | +405 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.61% | 1.72% | 1.75% | 1.68% | 1.66% | 1.73% | 1.79% | 1.82% | +14 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 | 10.97% | 11.70% | 12.21% | 12.29% | 12.26% | 12.54% | 12.88% | 13.77% | +148 bps | |
| Total Risk-Based Capital | 14.96% | 16.40% | 16.91% | 16.46% | 16.40% | 17.37% | 18.30% | 18.88% | +242 bps | |
| Equity / Assets | 11.38% | 12.15% | 12.63% | 12.33% | 12.48% | 13.05% | 13.60% | 13.99% | +167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 148.03% | 136.32% | 135.78% | 143.32% | 140.57% | 133.44% | 129.36% | 128.04% | -1,528 bps | |
| Liquid Assets / Assets | 8.56% | 10.21% | 10.36% | 9.92% | 9.83% | 11.38% | 12.28% | 13.05% | +313 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |