Elgin, IA · Cert 10489
FDIC · 2 branches
Q4 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.15% | -0.35% | -0.70% | -0.55% | -0.37% | -22 bps | |
| Return on Equity | -5.64% | -11.80% | -24.11% | -16.80% | -11.62% | -598 bps | |
| Net Interest Margin | 2.74% | 2.60% | 2.45% | 2.53% | 2.43% | -31 bps | |
| Efficiency Ratio | 111.90% | 113.17% | 123.40% | 118.95% | 116.40% | +450 bps | |
| Non-Interest Burden | 3.09% | 2.97% | 3.06% | 3.04% | 2.85% | -23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.75% | 6.89% | 0.47% | -1.73% | -0.74% | -549 bps | |
| Loan Growth (YoY) | 1.62% | 1.87% | 1.11% | 0.52% | 1.00% | -63 bps | |
| Deposit Growth (YoY) | 4.12% | 6.61% | 0.20% | -3.21% | -0.56% | -468 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.33% | 0.27% | 0.00% | 0.00% | -33 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.31% | 0.21% | +21 bps | |
| Allowance / Loans | 0.83% | 0.83% | 0.82% | 0.78% | 0.72% | -11 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.5x | 3.0x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 6.47% | 6.34% | 6.23% | 6.20% | 5.87% | -60 bps | |
| Total Risk-Based Capital | 12.57% | 12.64% | 12.37% | 12.10% | 11.37% | -120 bps | |
| Equity / Assets | 3.05% | 2.88% | 2.92% | 3.62% | 2.84% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.19% | 65.52% | 69.27% | 70.51% | 67.23% | +104 bps | |
| Liquid Assets / Assets | 10.51% | 13.51% | 8.26% | 6.24% | 13.27% | +276 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |