West Branch, IA · Cert 10114
FDIC · 4 branches
Q3 2019
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 1.15% | 0.90% | 0.93% | 0.98% | -7 bps | |
| Return on Equity | 11.20% | 12.71% | 11.89% | 11.70% | 12.03% | +83 bps | |
| Net Interest Margin | 2.81% | 2.79% | 2.66% | 2.60% | 2.77% | -4 bps | |
| Efficiency Ratio | 63.31% | 63.03% | 66.98% | 66.32% | 64.98% | +167 bps | |
| Non-Interest Burden | 1.54% | 1.52% | 1.59% | 1.52% | 1.58% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.70% | -2.92% | 1.66% | -1.36% | -0.72% | -2 bps | |
| Loan Growth (YoY) | 7.04% | 5.79% | 5.54% | 5.90% | 7.36% | +31 bps | |
| Deposit Growth (YoY) | 1.94% | -3.24% | -1.79% | -0.24% | 0.04% | -189 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 0.02% | 1.66% | 1.58% | +156 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.10% | 1.07% | 1.06% | 1.06% | 1.02% | -8 bps | |
| Allowance Coverage of NPLs | 52.2x | 52.2x | 48.2x | 0.6x | 0.6x | -51.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.49% | 8.24% | 8.19% | 8.19% | 8.74% | -175 bps | |
| Total Risk-Based Capital | 17.52% | 14.02% | 13.62% | 13.78% | 13.53% | -399 bps | |
| Equity / Assets | 9.35% | 7.66% | 7.52% | 8.63% | 8.69% | -67 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.37% | 55.81% | 52.96% | 55.96% | 57.27% | +390 bps | |
| Liquid Assets / Assets | 9.39% | 8.77% | 12.88% | 8.60% | 11.13% | +174 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |