Douds, IA · Cert 10896
FDIC · 1 branch
Q2 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | -0.15% | 0.42% | 0.51% | 0.45% | -0.08% | 0.44% | 0.06% | -45 bps | |
| Return on Equity | 2.60% | -1.48% | 4.06% | 4.75% | 4.15% | -0.72% | 4.16% | 0.54% | -421 bps | |
| Net Interest Margin | 3.09% | 2.84% | 3.06% | 3.29% | 3.31% | 3.38% | 3.09% | 2.96% | -33 bps | |
| Efficiency Ratio | 89.35% | 100.63% | 83.93% | 82.95% | 84.09% | 100.55% | 84.43% | 96.13% | +1,317 bps | |
| Non-Interest Burden | 2.75% | 2.86% | 2.55% | 2.71% | 2.76% | 3.40% | 2.59% | 2.84% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.28% | 1.97% | -2.71% | -2.54% | -3.92% | -2.11% | 0.24% | -1.88% | +66 bps | |
| Loan Growth (YoY) | -5.12% | -5.44% | -3.01% | -0.06% | 1.37% | 3.92% | 0.46% | -1.83% | -177 bps | |
| Deposit Growth (YoY) | 7.83% | 1.96% | -3.24% | -3.11% | -4.63% | -2.55% | 0.12% | -2.21% | +89 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.60% | 1.71% | 1.68% | 2.39% | 2.98% | 3.33% | 3.82% | 3.37% | +98 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.72% | 0.72% | 0.71% | 0.70% | 0.70% | 0.69% | 0.71% | 0.72% | +1 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.4x | 0.4x | 0.3x | 0.2x | 0.2x | 0.2x | 0.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.20% | 10.06% | 10.42% | 10.73% | 10.91% | 10.48% | 10.65% | 10.83% | +10 bps | |
| Total Risk-Based Capital | 18.09% | 18.11% | 18.38% | 26.39% | 27.02% | 26.08% | 26.62% | 27.33% | +94 bps | |
| Equity / Assets | 10.23% | 10.14% | 10.51% | 10.81% | 10.96% | 10.56% | 10.70% | 11.12% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.67% | 77.35% | 80.83% | 83.27% | 83.62% | 82.49% | 81.10% | 83.60% | +33 bps | |
| Liquid Assets / Assets | 5.20% | 5.17% | 7.72% | 7.85% | 6.64% | 6.49% | 4.09% | 2.50% | -535 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |