Sidney, NE · Cert 25127
FDIC · 11 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 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.
Sidney, NE · Cert 25127
FDIC · 11 branches
Q4 2019
Market Position · Cheyenne, WY · 2019 SOD (annual) · 1.8% share · #15 of 18 inst. · $0.0B of $1.8B
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.40% | 1.47% | 1.44% | 1.48% | 1.43% | 1.41% | 1.45% | 0 bps | |
| Return on Equity | 15.02% | 14.45% | 15.13% | 14.82% | 14.56% | 13.78% | 13.56% | 13.82% | -101 bps | |
| Net Interest Margin | 3.21% | 3.27% | 3.38% | 3.43% | 3.45% | 3.37% | 3.38% | 3.39% | -5 bps | |
| Efficiency Ratio | 59.43% | 61.06% | 59.97% | 60.75% | 59.80% | 61.16% | 61.62% | 60.80% | +5 bps | |
| Non-Interest Burden | 1.78% | 1.86% | 1.88% | 1.94% | 1.92% | 1.92% | 1.94% | 1.92% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.06% | 10.49% | 11.41% | 7.04% | -1.88% | 1.14% | 3.59% | 2.27% | -477 bps | |
| Loan Growth (YoY) | 15.49% | 16.14% | 22.07% | 22.17% | 6.57% | 2.88% | 1.40% | -0.30% | -2,248 bps | |
| Deposit Growth (YoY) | 12.45% | 11.70% | 11.58% | 6.77% | -2.02% | 2.06% | 0.96% | 1.54% | -523 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.23% | 0.08% | 0.09% | 0.21% | 0.62% | 0.02% | 0.01% | -8 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.03% | -0.02% | 0.01% | -0.01% | 0.01% | 0.00% | +3 bps | |
| Allowance / Loans | 2.10% | 2.06% | 2.05% | 2.01% | 1.99% | 2.02% | 2.01% | 2.01% | 0 bps | |
| Allowance Coverage of NPLs | 9.7x | 8.8x | 24.3x | 21.4x | 9.6x | 3.2x | 87.7x | 203.3x | +181.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.68% | 9.81% | 9.97% | 10.07% | 10.04% | 9.82% | 9.81% | 9.73% | -35 bps | |
| Total Risk-Based Capital | 19.67% | 19.03% | 18.57% | 18.41% | 18.38% | 18.32% | 18.22% | 18.29% | -11 bps | |
| Equity / Assets | 9.68% | 9.80% | 9.64% | 9.90% | 10.38% | 10.74% | 10.60% | 10.66% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.95% | 65.09% | 65.48% | 65.69% | 67.38% | 65.62% | 65.77% | 64.50% | -119 bps | |
| Liquid Assets / Assets | 5.42% | 3.22% | 4.35% | 4.62% | 3.30% | 2.83% | 1.95% | 1.83% | -278 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |