South Sioux City, NE · Cert 8354
FDIC · 7 branches
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.
South Sioux City, NE · Cert 8354
FDIC · 7 branches
Q3 2018
Market Position · Sioux City, IA-NE-SD · 2018 SOD (annual) · 3.6% share · #11 of 35 inst. · $0.2B of $4.3B
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 | 1.15% | 0.76% | 0.99% | 0.97% | 1.08% | 1.47% | 1.36% | 1.28% | +31 bps | |
| Return on Equity | 12.10% | 7.68% | 9.89% | 9.65% | 10.72% | 14.95% | 13.70% | 12.93% | +328 bps | |
| Net Interest Margin | 2.91% | 2.85% | 2.88% | 2.91% | 2.89% | 3.06% | 3.07% | 3.05% | +14 bps | |
| Efficiency Ratio | 76.92% | 84.10% | 79.91% | 79.63% | 77.84% | 78.53% | 75.81% | 75.58% | -406 bps | |
| Non-Interest Burden | 1.74% | 2.14% | 1.96% | 1.97% | 1.87% | 2.06% | 1.93% | 1.90% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.15% | -2.00% | -6.61% | 3.20% | 5.20% | 1.71% | 6.41% | 3.83% | +63 bps | |
| Loan Growth (YoY) | -3.05% | -1.19% | -2.41% | 3.63% | 7.16% | 6.55% | 8.72% | 3.88% | +25 bps | |
| Deposit Growth (YoY) | -8.96% | -2.48% | -6.10% | 5.67% | 5.83% | 3.52% | 7.56% | 4.71% | -96 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.85% | 0.87% | 0.92% | 0.75% | 0.70% | 0.65% | 0.61% | -31 bps | |
| Net Charge-Offs / Loans | 0.11% | -0.07% | -0.05% | 0.03% | 0.02% | -0.02% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.52% | 1.48% | 1.45% | 1.37% | 1.29% | 1.05% | 1.03% | 1.05% | -32 bps | |
| Allowance Coverage of NPLs | n/a | 1.7x | 1.7x | 1.5x | 1.7x | 1.5x | 1.6x | 1.7x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.98% | 10.15% | 10.04% | 10.26% | 9.86% | 10.31% | 10.39% | 10.65% | +39 bps | |
| Total Risk-Based Capital | 13.39% | 13.22% | 13.40% | 13.29% | 12.74% | 12.75% | 12.89% | 13.35% | +5 bps | |
| Equity / Assets | 10.08% | 9.73% | 10.24% | 10.20% | 9.90% | 9.81% | 9.98% | 10.02% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.32% | 67.95% | 69.94% | 69.66% | 72.21% | 69.94% | 70.69% | 69.10% | -55 bps | |
| Liquid Assets / Assets | 2.66% | 8.03% | 4.84% | 5.56% | 3.84% | 5.40% | 5.13% | 8.83% | +327 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |