Sisseton, SD · Cert 4019
FDIC · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 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.
Sisseton, SD · Cert 4019
FDIC · 1 branch
Q3 2018
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.86% | 1.04% | 1.18% | 1.02% | 0.96% | 1.02% | 1.15% | -4 bps | |
| Return on Equity | 6.83% | 5.90% | 7.01% | 7.86% | 6.74% | 6.36% | 6.87% | 7.78% | -8 bps | |
| Net Interest Margin | 2.88% | 2.70% | 2.72% | 2.88% | 2.89% | 2.90% | 2.88% | 2.98% | +10 bps | |
| Efficiency Ratio | 63.32% | 68.78% | 67.10% | 62.87% | 66.74% | 66.51% | 65.05% | 62.19% | -68 bps | |
| Non-Interest Burden | 1.77% | 1.82% | 1.78% | 1.76% | 1.88% | 1.90% | 1.83% | 1.81% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.09% | -4.23% | -4.57% | -4.61% | -7.10% | -5.81% | -4.81% | -2.88% | +173 bps | |
| Loan Growth (YoY) | -7.91% | -17.80% | -16.27% | -11.09% | -6.45% | -2.03% | -2.32% | -0.47% | +1,062 bps | |
| Deposit Growth (YoY) | -2.67% | -3.85% | -4.07% | -10.35% | -8.48% | -5.59% | -3.83% | 5.54% | +1,589 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.00% | 0.00% | 0.11% | 0.00% | -0.14% | -0.10% | -10 bps | |
| Allowance / Loans | 0.96% | 1.21% | 1.07% | 1.09% | 0.98% | 1.19% | 1.11% | 1.05% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.84% | 13.97% | 14.09% | 14.66% | 14.73% | 15.14% | 14.85% | 15.31% | +66 bps | |
| Total Risk-Based Capital | 32.20% | 36.01% | 34.58% | 35.55% | 34.96% | 37.19% | 34.92% | 35.62% | +7 bps | |
| Equity / Assets | 14.41% | 14.85% | 15.13% | 15.85% | 15.44% | 14.71% | 14.33% | 14.47% | -138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 32.45% | 26.07% | 29.65% | 32.83% | 33.17% | 27.05% | 30.12% | 30.96% | -187 bps | |
| Liquid Assets / Assets | 4.84% | 4.90% | 5.71% | 5.99% | 6.11% | 6.10% | 6.88% | 7.08% | +109 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |