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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.49% | 0.22% | 0.44% | -0.14% | 0.59%1 | 0.24%1 | 0.20%1 | -24 bps | |
| Return on Equity | 1.82% | 3.68% | 1.62% | 3.23% | -0.95% | 4.06% | 1.66% | 1.41% | -182 bps | |
| Net Interest Margin | 3.08% | 3.17% | 3.03% | 3.14% | 3.08% | 2.80% | 2.75% | 2.62% | -52 bps | |
| Efficiency Ratio | 66.82% | 66.57% | 68.92% | 67.82% | 74.14% | 72.63% | 85.54% | 83.26% | +1,545 bps | |
| Non-Interest Burden | 1.99% | 2.05% | 2.05% | 2.07% | 2.20% | 1.94% | 2.30% | 2.12% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.79% | -1.49% | -2.33% | -9.40% | -4.81% | -1.80% | -1.47% | 6.95% | +1,635 bps | |
| Loan Growth (YoY) | 0.75% | -3.52% | -8.52% | -12.74% | -13.57% | -9.92% | -12.37% | -13.73% | -99 bps | |
| Deposit Growth (YoY) | 4.48% | 4.09% | 1.71% | -9.10% | -1.20% | 4.29% | 3.54% | 11.99% | +2,109 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.73% | 2.24% | 1.54% | 1.53% | 6.32% | 6.01% | 6.67% | 5.39% | +387 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 1.53% | 1.22% | 0.28% | 0.14% | 0.10% | 2.07% | +85 bps | |
| Allowance / Loans | 2.27% | 2.39% | 1.94% | 2.12% | 2.60% | 2.63% | 2.88% | 1.41% | -70 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.1x | 1.3x | 1.4x | 0.4x | 0.4x | 0.4x | 0.3x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.49% | 12.73% | 12.16% | 12.94% | 13.50% | 13.19% | 13.01% | 12.56% | -38 bps | |
| Total Risk-Based Capital | 19.08% | 19.47% | 20.07% | 21.45% | 20.31% | 22.03% | 22.41% | 22.26% | +81 bps | |
| Equity / Assets | 13.24% | 13.68% | 13.67% | 14.95% | 14.14% | 14.62% | 14.42% | 14.17% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.47% | 76.79% | 72.75% | 73.64% | 67.77% | 66.33% | 61.57% | 56.73% | -1,691 bps | |
| Liquid Assets / Assets | 5.33% | 5.18% | 8.08% | 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 | n/a | n/a | n/a |