Sioux City, IA · Cert 18958
FDIC · 2 branches
Q2 2018
Market Position · Sioux City, IA-NE-SD · 2018 SOD (annual) · 1.3% share · #22 of 35 inst. · $0.1B of $4.3B
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.61% | 0.65% | 1.20% | 1.12% | +25 bps | |
| Return on Equity | 5.66% | 5.04% | 5.20% | 7.82% | 7.20% | +153 bps | |
| Net Interest Margin | 2.92% | 2.79% | 2.74% | 2.96% | 2.96% | +4 bps | |
| Efficiency Ratio | 70.54% | 73.19% | 72.82% | 62.50% | 64.89% | -564 bps | |
| Non-Interest Burden | 1.93% | 1.93% | 1.89% | 1.71% | 1.79% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.18% | 115.34% | -2.08% | 2.86% | 3.06% | +1,224 bps | |
| Loan Growth (YoY) | -7.68% | -12.45% | -3.24% | 4.87% | 5.57% | +1,324 bps | |
| Deposit Growth (YoY) | -12.51% | 135.90% | -3.23% | 7.29% | -4.18% | +833 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.56% | 1.74% | 1.60% | 1.00% | 1.18% | -38 bps | |
| Net Charge-Offs / Loans | 0.34% | 0.19% | 0.12% | -0.02% | -0.01% | -35 bps | |
| Allowance / Loans | 2.02% | 2.17% | 2.07% | 2.03% | 1.97% | -5 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.3x | 1.3x | 2.0x | 1.7x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.74% | 15.56% | 15.28% | 15.91% | 16.33% | +59 bps | |
| Total Risk-Based Capital | 29.80% | 31.81% | 30.82% | 31.09% | 31.25% | +145 bps | |
| Equity / Assets | 16.23% | 7.36% | 15.51% | 15.25% | 15.97% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.47% | 26.59% | 65.74% | 65.82% | 77.63% | +717 bps | |
| Liquid Assets / Assets | 4.99% | 57.93% | 6.23% | 7.62% | 4.75% | -25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |