Plattsmouth, NE · Cert 19645
FDIC · 2 branches
Q3 2019
Market Position · Omaha-Council Bluffs, NE-IA · 2019 SOD (annual) · 0.2% share · #39 of 73 inst. · $0.1B of $33.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.60% | 1.07% | 0.72% | 0.83% | 0.48% | 0.97% | 0.59% | -13 bps | |
| Return on Equity | 5.44% | 5.83% | 10.29% | 6.81% | 7.70% | 4.36% | 8.81% | 5.35% | -145 bps | |
| Net Interest Margin | 4.20% | 3.80% | 4.19% | 3.80% | 3.87% | 3.72% | 3.97% | 3.63% | -18 bps | |
| Efficiency Ratio | 85.64% | 81.10% | 72.42% | 77.89% | 75.43% | 79.88% | 70.18% | 76.84% | -105 bps | |
| Non-Interest Burden | 3.70% | 3.13% | 3.07% | 3.02% | 2.97% | 3.03% | 2.80% | 2.82% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.98% | 3.23% | 0.86% | -1.54% | -1.87% | -0.57% | 1.10% | 5.36% | +690 bps | |
| Loan Growth (YoY) | -1.09% | -2.44% | -9.50% | -9.51% | -6.41% | -8.44% | 7.08% | 8.64% | +1,815 bps | |
| Deposit Growth (YoY) | 13.10% | 9.77% | 5.83% | -2.21% | -2.72% | -1.31% | 0.32% | 5.07% | +728 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.68% | 4.69% | 4.46% | 4.81% | 6.02% | 5.77% | 5.76% | 4.85% | +4 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.11% | -0.02% | 0.99% | -0.01% | 0.00% | 0.08% | 0.06% | -94 bps | |
| Allowance / Loans | 1.99% | 2.02% | 2.07% | 1.88% | 1.91% | 2.01% | 1.80% | 1.86% | -2 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.5x | 0.4x | 0.3x | 0.3x | 0.3x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.76% | 9.82% | 9.75% | 10.14% | 10.51% | 10.61% | 10.12% | 10.56% | +42 bps | |
| Total Risk-Based Capital | 13.41% | 13.51% | 13.75% | 14.37% | 14.87% | 15.64% | 14.16% | 14.15% | -23 bps | |
| Equity / Assets | 10.23% | 10.34% | 10.39% | 10.63% | 10.99% | 11.00% | 11.08% | 10.88% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.23% | 87.21% | 85.05% | 83.63% | 83.93% | 80.91% | 90.78% | 86.47% | +284 bps | |
| Liquid Assets / Assets | 1.49% | 1.59% | 1.59% | 1.96% | 1.44% | 1.62% | 5.44% | 0.52% | -144 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |