Sumner, IA · Cert 11634
FDIC · 2 branches
Q4 2020
Market Position · Waterloo-Cedar Falls, IA · 2020 SOD (annual) · 1.5% share · #16 of 25 inst. · $0.1B 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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | -0.14% | 1.29%1 | -0.44% | 0.09% | -105 bps | |
| Return on Equity | 7.99% | -0.95% | 9.00% | -3.04% | 0.66% | -734 bps | |
| Net Interest Margin | 3.09% | 3.08% | 2.65% | 2.60% | 2.47% | -62 bps | |
| Efficiency Ratio | 64.43% | 74.14% | 70.99% | 113.71% | 76.10% | +1,168 bps | |
| Non-Interest Burden | 1.90% | 2.20% | 1.78% | 2.96% | 1.79% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.40% | -4.81% | -1.80% | -1.47% | 6.95% | +1,635 bps | |
| Loan Growth (YoY) | -12.74% | -13.57% | -9.92% | -12.37% | -13.73% | -99 bps | |
| Deposit Growth (YoY) | -9.10% | -1.20% | 4.29% | 3.54% | 11.99% | +2,109 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.53% | 6.32% | 6.01% | 6.67% | 5.39% | +387 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.28% | 0.01% | -0.02% | 7.97% | +797 bps | |
| Allowance / Loans | 2.12% | 2.60% | 2.63% | 2.88% | 1.41% | -70 bps | |
| Allowance Coverage of NPLs | 1.4x | 0.4x | 0.4x | 0.4x | 0.3x | -1.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.94% | 13.50% | 13.19% | 13.01% | 12.56% | -38 bps | |
| Total Risk-Based Capital | 21.45% | 20.31% | 22.03% | 22.41% | 22.26% | +81 bps | |
| Equity / Assets | 14.95% | 14.14% | 14.62% | 14.42% | 14.17% | -78 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.64% | 67.77% | 66.33% | 61.57% | 56.73% | -1,691 bps | |
| Liquid Assets / Assets | 4.81% | 5.94% | 9.12% | 9.22% | 6.17% | +136 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |