Sioux Rapids, IA · Cert 15369
FDIC · 2 branches
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.
Sioux Rapids, IA · Cert 15369
FDIC · 2 branches
Q3 2017
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 | 0.62% | 0.92% | 0.75% | 0.67% | 0.51% | 0.77% | 0.62% | 0.32% | -35 bps | |
| Return on Equity | 4.20% | 6.41% | 5.20% | 4.69% | 3.62% | 5.62% | 4.52% | 2.36% | -233 bps | |
| Net Interest Margin | 2.64% | 2.59% | 2.56% | 2.43% | 2.35% | 2.21% | 2.43% | 2.36% | -7 bps | |
| Efficiency Ratio | 77.18% | 62.62% | 69.65% | 72.02% | 80.11% | 66.33% | 71.84% | 89.60% | +1,758 bps | |
| Non-Interest Burden | 1.96% | 1.38% | 1.65% | 1.65% | 1.82% | 1.28% | 1.63% | 2.08% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.19% | 4.71% | 6.52% | 9.71% | 3.35% | 12.99% | 6.07% | 8.59% | -112 bps | |
| Loan Growth (YoY) | 1.43% | -2.29% | -10.51% | 0.72% | -3.02% | -5.22% | 6.21% | -10.44% | -1,116 bps | |
| Deposit Growth (YoY) | 14.60% | 4.97% | 7.14% | 10.99% | 3.40% | 14.91% | 6.56% | 10.00% | -99 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.66% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.00% | -0.02% | -0.01% | 0.01% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.08% | 1.15% | 1.27% | 1.13% | 1.11% | 1.22% | 1.18% | 1.25% | +12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.8x | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.87% | 14.79% | 14.74% | 14.09% | 13.46% | 13.44% | 13.99% | 13.32% | -78 bps | |
| Total Risk-Based Capital | 37.88% | 41.02% | 43.20% | 39.99% | 38.17% | 39.61% | 40.10% | 41.81% | +182 bps | |
| Equity / Assets | 13.65% | 15.16% | 14.35% | 14.42% | 13.55% | 13.74% | 13.83% | 13.39% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 29.31% | 30.65% | 26.20% | 29.27% | 27.49% | 25.29% | 26.11% | 23.84% | -544 bps | |
| Liquid Assets / Assets | 71.43% | 71.21% | 75.65% | 72.15% | 72.45% | 75.28% | 71.84% | 75.94% | +379 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |