Omaha, NE · Cert 32325
FDIC · 28 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.
Omaha, NE · Cert 32325
FDIC · 28 branches
Q4 2019
Market Position · Omaha-Council Bluffs, NE-IA · 2019 SOD (annual) · 15.8% share · #2 of 73 inst. · $5.3B of $33.8B
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 | 0.86% | 0.94% | 1.05% | 1.01% | 1.05% | 1.10% | 1.09% | 0.65% | -36 bps | |
| Return on Equity | 8.16% | 8.89% | 9.90% | 9.39% | 9.33% | 9.61% | 9.42% | 5.68% | -370 bps | |
| Net Interest Margin | 3.51% | 3.53% | 3.52% | 3.54% | 3.80% | 3.83% | 3.77% | 3.61% | +6 bps | |
| Efficiency Ratio | 64.24% | 62.79% | 63.57% | 66.60% | 75.68% | 75.49% | 75.56% | 80.32% | +1,373 bps | |
| Non-Interest Burden | 2.06% | 2.02% | 1.96% | 2.04% | 2.40% | 2.31% | 2.19% | 2.35% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.20% | 3.42% | 4.94% | 4.56% | 4.03% | 3.02% | 5.68% | -0.85% | -541 bps | |
| Loan Growth (YoY) | 2.65% | -0.81% | -0.99% | -0.93% | 0.86% | 0.26% | 6.66% | 0.75% | +169 bps | |
| Deposit Growth (YoY) | 8.14% | 7.94% | 7.21% | 5.59% | 1.57% | -0.88% | 1.02% | 2.58% | -301 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.44% | 1.30% | 1.32% | 1.05% | 1.28% | 1.17% | 1.27% | 1.17% | +12 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.11% | 0.26% | 0.18% | 0.04% | 0.06% | 0.03% | 0.24% | +6 bps | |
| Allowance / Loans | 0.97% | 1.07% | 0.94% | 0.95% | 0.95% | 0.93% | 0.94% | 1.21% | +25 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.7x | 0.9x | 0.7x | 0.8x | 0.7x | 1.0x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.30% | 9.42% | 9.15% | 9.38% | 9.63% | 9.97% | 10.10% | 8.37% | -101 bps | |
| Total Risk-Based Capital | 12.36% | 12.85% | 12.85% | 12.79% | 13.02% | 13.25% | 12.93% | 11.65% | -114 bps | |
| Equity / Assets | 10.57% | 10.67% | 10.78% | 11.03% | 11.43% | 11.97% | 11.88% | 10.40% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.13% | 90.58% | 91.42% | 92.43% | 91.49% | 91.62% | 96.53% | 90.79% | -164 bps | |
| Liquid Assets / Assets | 0.58% | 0.70% | 1.12% | 0.46% | 0.66% | 0.90% | 0.53% | 0.71% | +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 |