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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.76% | 1.20% | 0.94% | 1.38% | 1.47% | 1.24% | 1.14% | +20 bps | |
| Return on Equity | 6.52% | 7.68% | 12.05% | 9.20% | 13.75% | 14.95% | 12.49% | 11.39% | +220 bps | |
| Net Interest Margin | 2.82% | 2.85% | 2.95% | 2.98% | 3.06% | 3.06% | 3.14% | 3.04% | +6 bps | |
| Efficiency Ratio | 84.52% | 84.10% | 76.02% | 79.09% | 72.96% | 78.53% | 73.25% | 75.13% | -396 bps | |
| Non-Interest Burden | 2.10% | 2.14% | 1.81% | 1.99% | 1.73% | 2.06% | 1.84% | 1.83% | -15 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 | 0.01% | -0.07% | -0.02% | 0.19% | -0.01% | -0.02% | 0.03% | 0.01% | -18 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 |