Plattsmouth, NE · Cert 8350
FDIC · 2 branches
Q3 2020
Market Position · Omaha-Council Bluffs, NE-IA · 2020 SOD (annual) · 0.3% share · #37 of 71 inst. · $0.1B of $33.4B
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.34% | 0.50% | 1.49% | 1.73%1 | -2.99% | 0.03% | 0.13% | -135 bps | |
| Return on Equity | 9.18% | 4.40% | 6.05% | 17.39% | 19.89% | -32.12% | 0.30% | 1.25% | -1,615 bps | |
| Net Interest Margin | 3.56% | 3.47% | 3.35% | 3.31% | 3.28% | 2.30% | 0.21% | 0.83% | -248 bps | |
| Efficiency Ratio | 80.91% | 91.01% | 88.56% | 86.62% | 86.71% | 107.97% | 83.05% | 77.63% | -900 bps | |
| Non-Interest Burden | 2.85% | 3.11% | 2.92% | 2.82% | 2.80% | 2.52% | 0.16% | 0.64% | -218 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.86% | 4.89% | 4.30% | 10.32% | -0.39% | -4.74% | 1.50% | -1.38% | -1,170 bps | |
| Loan Growth (YoY) | -18.34% | -10.15% | -12.21% | -19.25% | -23.39% | -41.91% | -30.82% | -8.05% | +1,120 bps | |
| Deposit Growth (YoY) | -2.25% | 2.57% | 0.26% | 8.32% | -0.82% | -6.17% | -0.27% | -2.84% | -1,116 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 2.10% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | -0.16% | 0.00% | 0.00% | -0.07% | -0.09% | -0.14% | 0.00% | 0.00% | +7 bps | |
| Allowance / Loans | 1.72% | 1.75% | 2.02% | 2.25% | 2.34% | 3.17% | 0.02% | 0.06% | -219 bps | |
| Allowance Coverage of NPLs | 93.6x | 105.1x | 1.0x | 107.9x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.18% | 9.00% | 8.81% | 9.28% | 9.79% | 9.65% | 8.29% | 8.49% | -79 bps | |
| Total Risk-Based Capital | 11.15% | 11.41% | 11.53% | 12.20% | 14.49% | 24.26% | 17.55% | 17.43% | +523 bps | |
| Equity / Assets | 7.22% | 8.24% | 9.32% | 9.36% | 9.21% | 9.45% | 12.06% | 12.13% | +277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.99% | 55.22% | 48.37% | 43.45% | 44.79% | 34.19% | 33.55% | 41.13% | -233 bps | |
| Liquid Assets / Assets | 2.80% | 2.74% | 4.15% | 2.65% | 2.81% | 5.49% | 40.07% | 28.09% | +2,543 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |