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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.56% | -0.50% | -0.44% | 0.60% | 0.64% | -0.54% | 0.83% | +126 bps | |
| Return on Equity | 0.55% | 8.24% | -7.15% | -5.78% | 7.75% | 8.48% | -6.86% | 10.11% | +1,588 bps | |
| Net Interest Margin | 2.24% | 2.33% | 2.70% | 2.79% | 2.60% | 2.59% | 2.82% | 2.61% | -18 bps | |
| Efficiency Ratio | 88.19% | 87.27% | 96.53% | 118.92% | 73.19% | 72.86% | 127.91% | 74.19% | -4,473 bps | |
| Non-Interest Burden | 1.96% | 1.94% | 2.60% | 3.38% | 1.85% | 1.84% | 3.32% | 1.80% | -158 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% | 0.00% | 0.00% | 0.00% | 0.00% | -0.06% | 0.00% | 0.05% | +5 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 |