Kingsley, IA · Cert 19447
FDIC · 3 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 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.
Kingsley, IA · Cert 19447
FDIC · 3 branches
Q1 2019
Market Position · Sioux City, IA-NE-SD · 2018 SOD (annual) · 3.9% share · #10 of 35 inst. · $0.2B 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 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.28% | 1.14% | 1.10% | 1.15% | 1.19% | 1.04% | 0.98% | -13 bps | |
| Return on Equity | 9.75% | 9.94% | 8.86% | 8.86% | 9.15% | 9.61% | 8.43% | 8.14% | -71 bps | |
| Net Interest Margin | 3.04% | 3.12% | 3.07% | 3.10% | 3.04% | 3.16% | 3.12% | 2.80% | -30 bps | |
| Efficiency Ratio | 59.63% | 59.11% | 61.18% | 64.93% | 63.80% | 62.97% | 65.33% | 78.72% | +1,379 bps | |
| Non-Interest Burden | 1.70% | 1.72% | 1.77% | 1.93% | 1.84% | 1.89% | 1.96% | 2.16% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.43% | 3.44% | 4.13% | 2.72% | 2.66% | 1.06% | -0.48% | -2.97% | -569 bps | |
| Loan Growth (YoY) | 8.22% | 5.67% | 9.55% | 5.32% | 5.99% | 2.90% | -2.17% | -10.28% | -1,560 bps | |
| Deposit Growth (YoY) | 6.97% | 5.84% | 6.33% | 4.90% | 2.45% | 2.47% | 0.28% | -2.92% | -782 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.19% | 1.09% | 1.15% | +115 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | -0.04% | -0.02% | -0.02% | -0.01% | 0.00% | +4 bps | |
| Allowance / Loans | 1.95% | 1.98% | 2.02% | 2.03% | 2.02% | 2.08% | 2.08% | 2.27% | +24 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 210.2x | n/a | n/a | 10.9x | 1.9x | 2.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.44% | 12.90% | 12.64% | 12.75% | 12.95% | 12.04% | 12.10% | 12.18% | -57 bps | |
| Total Risk-Based Capital | 16.70% | 16.87% | 16.63% | 16.35% | 17.59% | 16.62% | 16.64% | 18.97% | +262 bps | |
| Equity / Assets | 12.82% | 13.10% | 12.63% | 12.29% | 12.95% | 11.81% | 11.85% | 12.14% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.90% | 79.61% | 80.82% | 77.96% | 81.63% | 79.94% | 78.85% | 72.04% | -591 bps | |
| Liquid Assets / Assets | 1.28% | 1.42% | 1.38% | 1.34% | 1.89% | 1.94% | 2.31% | 2.04% | +70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |