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 (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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 1.19% | 1.27% | 0.57% | 0.98% | -13 bps | |
| Return on Equity | 8.86% | 9.47% | 10.26% | 4.81% | 8.14% | -71 bps | |
| Net Interest Margin | 3.10% | 3.01% | 3.23% | 2.98% | 2.80% | -30 bps | |
| Efficiency Ratio | 64.93% | 62.68% | 61.35% | 73.25% | 78.72% | +1,379 bps | |
| Non-Interest Burden | 1.93% | 1.76% | 1.88% | 2.16% | 2.16% | +23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.72% | 2.66% | 1.06% | -0.48% | -2.97% | -569 bps | |
| Loan Growth (YoY) | 5.32% | 5.99% | 2.90% | -2.17% | -10.28% | -1,560 bps | |
| Deposit Growth (YoY) | 4.90% | 2.45% | 2.47% | 0.28% | -2.92% | -782 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.19% | 1.09% | 1.15% | +115 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.01% | 0.00% | -0.01% | 0.00% | +4 bps | |
| Allowance / Loans | 2.03% | 2.02% | 2.08% | 2.08% | 2.27% | +24 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 10.9x | 1.9x | 2.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.75% | 12.95% | 12.04% | 12.10% | 12.18% | -57 bps | |
| Total Risk-Based Capital | 16.35% | 17.59% | 16.62% | 16.64% | 18.97% | +262 bps | |
| Equity / Assets | 12.29% | 12.95% | 11.81% | 11.85% | 12.14% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.96% | 81.63% | 79.94% | 78.85% | 72.04% | -591 bps | |
| Liquid Assets / Assets | 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 |