Cedar Bluffs, NE · Cert 16188
FDIC · 1 branch
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 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.
Cedar Bluffs, NE · Cert 16188
FDIC · 1 branch
Q4 2019
Market Position · Omaha-Council Bluffs, NE-IA · 2019 SOD (annual) · 0.1% share · #66 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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.30% | 0.04% | -0.07% | 0.60% | 0.62% | 0.24% | 0.38% | +45 bps | |
| Return on Equity | 0.55% | 4.37% | 0.55% | -1.03% | 7.75% | 8.12% | 3.04% | 4.84% | +587 bps | |
| Net Interest Margin | 2.24% | 2.24% | 2.56% | 2.68% | 2.60% | 2.56% | 2.74% | 2.66% | -2 bps | |
| Efficiency Ratio | 88.19% | 87.67% | 90.60% | 97.77% | 73.19% | 73.02% | 85.99% | 82.47% | -1,531 bps | |
| Non-Interest Burden | 1.96% | 1.91% | 2.28% | 2.62% | 1.85% | 1.82% | 2.39% | 2.20% | -41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | 1.92% | -5.59% | -13.59% | -5.30% | -3.95% | -2.06% | 2.95% | +1,654 bps | |
| Loan Growth (YoY) | -20.31% | -14.36% | -5.10% | -10.90% | 8.22% | -14.32% | -19.68% | -8.82% | +208 bps | |
| Deposit Growth (YoY) | -1.66% | 2.30% | -7.01% | -15.73% | -8.72% | -5.37% | -2.68% | 0.74% | +1,647 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.90% | 0.79% | 0.69% | 1.20% | 1.83% | 2.34% | 2.15% | 1.88% | +68 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.02% | -0.01% | -0.01% | 0.00% | -0.03% | -0.02% | 0.00% | +1 bps | |
| Allowance / Loans | 2.21% | 2.02% | 1.81% | 1.83% | 2.06% | 2.41% | 2.33% | 2.08% | +25 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.6x | 2.6x | 1.5x | 1.1x | 1.0x | 1.1x | 1.1x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.59% | 7.25% | 7.96% | 8.11% | 7.87% | 7.82% | 8.13% | 8.15% | +4 bps | |
| Total Risk-Based Capital | 15.27% | 14.43% | 14.24% | 14.73% | 15.56% | 18.46% | 16.06% | 18.26% | +353 bps | |
| Equity / Assets | 6.76% | 6.79% | 7.23% | 7.86% | 7.54% | 7.65% | 7.99% | 8.36% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.56% | 43.11% | 53.26% | 56.96% | 46.90% | 39.03% | 43.96% | 51.56% | -540 bps | |
| Liquid Assets / Assets | 11.39% | 14.72% | 6.44% | 13.57% | 13.72% | 18.18% | 21.87% | 25.14% | +1,157 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |