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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.82% | 0.81% | 0.93% | 0.39% | 0.56% | 1.20% | 1.03% | +10 bps | |
| Return on Equity | 2.01% | 5.53% | 5.41% | 5.91% | 3.83% | 5.63% | 7.82% | 6.58% | +67 bps | |
| Net Interest Margin | 2.75% | 2.79% | 2.95% | 2.80% | 2.67% | 2.81% | 2.96% | 2.93% | +13 bps | |
| Efficiency Ratio | 84.10% | 67.89% | 70.88% | 70.18% | 78.80% | 71.72% | 62.50% | 67.35% | -283 bps | |
| Non-Interest Burden | 2.25% | 1.77% | 1.98% | 1.83% | 2.01% | 1.92% | 1.71% | 1.85% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.71% | -3.74% | -3.37% | -9.18% | 115.34% | -2.08% | 2.86% | 3.06% | +1,224 bps | |
| Loan Growth (YoY) | -9.91% | -8.98% | -11.29% | -7.68% | -12.45% | -3.24% | 4.87% | 5.57% | +1,324 bps | |
| Deposit Growth (YoY) | -4.10% | -4.74% | -8.15% | -12.51% | 135.90% | -3.23% | 7.29% | -4.18% | +833 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.59% | 1.56% | 1.74% | 1.60% | 1.00% | 1.18% | -38 bps | |
| Net Charge-Offs / Loans | 0.12% | -0.02% | 0.79% | -0.09% | -0.15% | -0.07% | -0.02% | 0.00% | +9 bps | |
| Allowance / Loans | 1.91% | 2.06% | 2.04% | 2.02% | 2.17% | 2.07% | 2.03% | 1.97% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.3x | 1.3x | 1.3x | 1.3x | 2.0x | 1.7x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.73% | 14.92% | 15.07% | 15.74% | 15.56% | 15.28% | 15.91% | 16.33% | +59 bps | |
| Total Risk-Based Capital | 27.13% | 27.58% | 29.57% | 29.80% | 31.81% | 30.82% | 31.09% | 31.25% | +145 bps | |
| Equity / Assets | 15.31% | 14.51% | 15.27% | 16.23% | 7.36% | 15.51% | 15.25% | 15.97% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.64% | 65.74% | 67.33% | 70.47% | 26.59% | 65.74% | 65.82% | 77.63% | +717 bps | |
| Liquid Assets / Assets | 4.75% | 4.28% | 4.96% | 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 | n/a | n/a | n/a |