Knoxville, IA · Cert 11349
FDIC · 3 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Knoxville, IA · Cert 11349
FDIC · 3 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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.25% | 1.36% | 1.45% | 1.46% | 1.27% | 0.57% | 0.94% | -51 bps | |
| Return on Equity | 17.48% | 15.61% | 16.95% | 17.80% | 17.60% | 14.32% | 5.32% | 7.82% | -998 bps | |
| Net Interest Margin | 3.14% | 3.22% | 3.23% | 3.36% | 3.41% | 3.44% | 1.09% | 1.99% | -136 bps | |
| Efficiency Ratio | 62.70% | 64.35% | 62.43% | 61.56% | 62.26% | 66.85% | 53.41% | 54.75% | -681 bps | |
| Non-Interest Burden | 1.60% | 1.76% | 1.70% | 1.73% | 1.79% | 2.00% | 0.44% | 0.86% | -87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.68% | 11.90% | 11.45% | 3.16% | 0.70% | 0.57% | 14.07% | 7.50% | +434 bps | |
| Loan Growth (YoY) | 4.95% | 2.17% | 2.17% | -0.93% | -0.89% | -1.61% | -0.75% | -2.56% | -163 bps | |
| Deposit Growth (YoY) | 11.58% | 12.77% | 12.67% | 3.60% | 0.33% | -0.60% | 6.65% | -0.78% | -438 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 2.16% | 2.83% | 2.96% | 2.11% | 3.13% | 3.44% | 2.85% | -11 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.12% | 0.07% | 0.08% | 0.10% | 0.01% | 0.07% | 0.09% | 0 bps | |
| Allowance / Loans | 1.51% | 1.56% | 1.62% | 1.59% | 1.58% | 1.61% | 0.01% | 0.08% | -151 bps | |
| Allowance Coverage of NPLs | 2.4x | 0.7x | 0.6x | 0.5x | 0.8x | 0.5x | 0.0x | 0.0x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.30% | 8.75% | 8.59% | 9.04% | 9.16% | 9.27% | 8.04% | 9.08% | +4 bps | |
| Total Risk-Based Capital | 15.15% | 15.27% | 15.56% | 15.96% | 16.50% | 16.65% | 14.84% | 17.35% | +139 bps | |
| Equity / Assets | 8.19% | 7.78% | 8.12% | 8.46% | 8.99% | 8.82% | 14.13% | 15.77% | +731 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.84% | 46.73% | 47.98% | 49.97% | 50.23% | 46.25% | 44.65% | 49.08% | -89 bps | |
| Liquid Assets / Assets | 2.97% | 3.20% | 3.56% | 13.41% | 13.29% | 14.21% | 23.03% | 14.43% | +101 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |