Hawarden, IA · Cert 13680
FDIC · 1 branch
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Hawarden, IA · Cert 13680
FDIC · 1 branch
Q2 2017
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.09% | 0.77% | 0.82% | 0.81% | 0.90% | 0.81% | 0.93% | +10 bps | |
| Return on Equity | 12.86% | 12.02% | 8.00% | 8.42% | 8.24% | 9.17% | 8.17% | 9.46% | +104 bps | |
| Net Interest Margin | 3.42% | 3.48% | 3.14% | 3.20% | 3.31% | 3.23% | 3.22% | 3.37% | +17 bps | |
| Efficiency Ratio | 66.13% | 67.60% | 75.26% | 73.94% | 74.72% | 76.56% | 75.13% | 71.72% | -222 bps | |
| Non-Interest Burden | 2.18% | 2.27% | 2.30% | 2.30% | 2.41% | 2.41% | 2.36% | 2.35% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.94% | -7.42% | -8.27% | -8.53% | -3.23% | -1.96% | -2.80% | 7.71% | +1,624 bps | |
| Loan Growth (YoY) | -11.78% | -4.57% | -13.49% | -16.30% | 3.48% | -8.70% | 7.44% | 7.44% | +2,374 bps | |
| Deposit Growth (YoY) | 0.59% | -7.23% | -11.62% | -8.81% | -8.65% | -5.61% | -5.01% | -3.56% | +525 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.77% | 1.74% | +174 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.60% | 1.39% | 1.63% | 1.60% | 1.55% | 1.31% | 1.31% | 1.29% | -31 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 0.7x | 0.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.53% | 8.89% | 9.25% | 9.16% | 9.62% | 9.50% | 9.18% | 9.42% | +26 bps | |
| Total Risk-Based Capital | 13.02% | 11.72% | 13.92% | 13.22% | 12.92% | 13.08% | 13.26% | 12.80% | -42 bps | |
| Equity / Assets | 9.71% | 9.46% | 9.84% | 10.07% | 10.15% | 9.84% | 9.94% | 9.59% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.55% | 104.88% | 91.95% | 97.67% | 104.85% | 101.45% | 104.00% | 108.81% | +1,114 bps | |
| Liquid Assets / Assets | 15.47% | 8.51% | 21.60% | 14.06% | 13.07% | 13.84% | 13.11% | 13.27% | -79 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |