Ericson, NE · Cert 18265
FDIC · 1 branch
Q4 2019
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 | 2.24% | 2.05% | 2.32% | -5.08% | 2.07% | 1.47% | 2.14% | -18.93% | -1,386 bps | |
| Return on Equity | 22.27% | 20.44% | 23.33% | -57.51% | 26.57% | 19.26% | 28.01% | -324% | -26,651 bps | |
| Net Interest Margin | 4.55% | 4.54% | 4.59% | 3.07% | 4.28% | 3.49% | 3.95% | 3.24% | +16 bps | |
| Efficiency Ratio | 32.58% | 36.81% | 36.89% | 71.36% | 35.27% | 38.53% | 36.05% | 56.63% | -1,472 bps | |
| Non-Interest Burden | 1.43% | 1.62% | 1.70% | 2.15% | 1.41% | 1.26% | 1.34% | 1.77% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.37% | 11.45% | 14.05% | 17.25% | 18.79% | 16.29% | 16.73% | -0.40% | -1,765 bps | |
| Loan Growth (YoY) | 8.43% | 9.84% | 12.38% | 17.22% | 20.01% | 14.71% | 10.97% | -1.47% | -1,869 bps | |
| Deposit Growth (YoY) | 5.32% | 10.15% | 8.74% | 19.25% | 24.28% | 26.42% | 26.04% | 7.74% | -1,151 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 8.76% | 8.84% | 7.51% | 7.39% | 6.91% | -185 bps | |
| Net Charge-Offs / Loans | -0.07% | 0.01% | 0.08% | 0.08% | -0.09% | 3.48% | 0.07% | 24.64% | +2,456 bps | |
| Allowance / Loans | 0.95% | 0.98% | 0.94% | 2.81% | 2.80% | 1.93% | 1.90% | 3.57% | +75 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.3x | 0.3x | 0.3x | 0.3x | 0.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.21% | 10.24% | 10.14% | 7.90% | 7.99% | 7.80% | 7.94% | 3.38% | -453 bps | |
| Total Risk-Based Capital | 13.41% | 13.10% | 13.06% | 10.49% | 10.21% | 10.11% | 10.66% | 5.58% | -491 bps | |
| Equity / Assets | 10.20% | 9.91% | 9.94% | 7.76% | 7.78% | 7.53% | 7.77% | 3.69% | -408 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.91% | 105.26% | 105.01% | 102.64% | 101.30% | 95.51% | 92.46% | 93.87% | -878 bps | |
| Liquid Assets / Assets | 7.06% | 7.51% | 7.42% | 8.07% | 8.52% | 9.88% | 12.77% | 8.59% | +52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |