Oldham, SD · Cert 15432
FDIC · 5 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Oldham, SD · Cert 15432
FDIC · 5 branches
Q3 2018
Market Position · Davenport-Moline-Rock Island, IA-IL · 2018 SOD (annual) · 0.4% share · #31 of 35 inst. · $0.0B of $8.2B
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.49% | 0.52% | 0.51% | 0.53% | 0.72% | 0.65% | 1.06% | +55 bps | |
| Return on Equity | 4.18% | 3.88% | 4.06% | 3.89% | 4.00% | 5.13% | 4.56% | 7.30% | +341 bps | |
| Net Interest Margin | 9.45% | 9.88% | 10.42% | 10.69% | 11.21% | 10.84% | 11.29% | 11.68% | +99 bps | |
| Efficiency Ratio | 55.14% | 49.76% | 49.15% | 49.01% | 48.44% | 51.81% | 52.10% | 49.94% | +93 bps | |
| Non-Interest Burden | 3.41% | 2.86% | 2.97% | 3.05% | 3.16% | 3.54% | 3.70% | 3.52% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 245% | 236% | 233% | 250% | -6.88% | -5.82% | -5.73% | -7.60% | -25,797 bps | |
| Loan Growth (YoY) | 619% | 702% | 704% | 605% | 5.99% | -1.12% | -7.42% | -7.01% | -61,152 bps | |
| Deposit Growth (YoY) | 237% | 229% | 222% | 243% | -8.23% | -7.53% | -7.20% | -9.85% | -25,282 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.08% | 1.02% | 1.48% | 1.57% | 1.45% | 1.24% | 1.35% | -13 bps | |
| Net Charge-Offs / Loans | 5.48% | 8.11% | 7.16% | 6.90% | 7.35% | 8.78% | 7.91% | 7.44% | +55 bps | |
| Allowance / Loans | 8.19% | 8.13% | 7.97% | 8.38% | 8.99% | 9.37% | 9.73% | 9.74% | +136 bps | |
| Allowance Coverage of NPLs | n/a | 7.5x | 7.8x | 5.7x | 5.7x | 6.4x | 7.8x | 7.2x | +1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.27% | 13.14% | 13.73% | 13.90% | 14.43% | 14.25% | 15.07% | 15.89% | +200 bps | |
| Total Risk-Based Capital | 20.28% | 20.82% | 20.17% | 20.28% | 21.28% | 21.03% | 22.78% | 20.68% | +40 bps | |
| Equity / Assets | 12.66% | 12.82% | 13.21% | 13.51% | 14.13% | 14.07% | 14.41% | 15.37% | +186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.31% | 84.89% | 93.42% | 95.75% | 97.37% | 90.77% | 93.20% | 98.76% | +301 bps | |
| Liquid Assets / Assets | 12.54% | 11.46% | 7.12% | 6.05% | 6.11% | 11.11% | 11.34% | 8.53% | +248 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |