Council Bluffs, IA · Cert 35432
FDIC · 1 branch
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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.
Council Bluffs, IA · Cert 35432
FDIC · 1 branch
Q4 2018
Market Position · Omaha-Council Bluffs, NE-IA · 2018 SOD (annual) · 0.1% share · #52 of 71 inst. · $0.0B of $32.6B
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.12% | 0.14% | 0.02% | 0.10% | 0.20% | 0.18% | 0.14% | +12 bps | |
| Return on Equity | 0.19% | 1.22% | 1.34% | 0.21% | 1.04% | 1.94% | 1.70% | 1.37% | +116 bps | |
| Net Interest Margin | 2.75% | 2.62% | 2.68% | 2.57% | 2.60% | 2.71% | 2.89% | 3.04% | +47 bps | |
| Efficiency Ratio | 99.35% | 95.89% | 95.45% | 97.62% | 96.56% | 93.75% | 94.50% | 94.45% | -317 bps | |
| Non-Interest Burden | 2.73% | 2.50% | 2.54% | 2.50% | 2.50% | 2.51% | 2.70% | 2.86% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.13% | 8.32% | 1.48% | 5.04% | -2.66% | -5.53% | -6.69% | -4.75% | -979 bps | |
| Loan Growth (YoY) | 23.29% | 27.06% | 23.50% | 13.15% | -2.80% | -4.92% | -4.47% | 17.87% | +472 bps | |
| Deposit Growth (YoY) | 4.83% | 0.26% | -4.60% | -1.09% | -3.79% | 0.21% | -0.96% | -3.83% | -273 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.00% | 1.07% | 1.02% | 1.11% | 1.02% | 1.11% | 1.07% | 0.94% | -17 bps | |
| Allowance Coverage of NPLs | 93.5x | 93.5x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.59% | 10.00% | 10.35% | 9.90% | 9.90% | 10.18% | 10.88% | 11.06% | +116 bps | |
| Total Risk-Based Capital | 25.39% | 26.52% | 25.83% | 27.02% | 25.07% | 22.93% | 26.85% | 23.91% | -311 bps | |
| Equity / Assets | 9.94% | 10.31% | 10.29% | 9.97% | 10.07% | 10.78% | 10.85% | 10.47% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.99% | 51.95% | 53.60% | 47.92% | 53.54% | 49.29% | 51.70% | 58.73% | +1,081 bps | |
| Liquid Assets / Assets | 49.17% | 52.86% | 50.63% | 48.84% | 42.97% | 43.78% | 41.80% | 38.91% | -993 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |