Hawarden, IA · Cert 13680
FDIC · 1 branch
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 0.91% | 0.77% | 0.87% | 0.80% | 1.20% | 0.81% | 1.05% | +18 bps | |
| Return on Equity | 12.89% | 9.55% | 8.00% | 8.77% | 7.93% | 11.97% | 8.17% | 10.79% | +202 bps | |
| Net Interest Margin | 3.39% | 3.30% | 3.14% | 3.17% | 3.37% | 3.25% | 3.22% | 3.47% | +30 bps | |
| Efficiency Ratio | 65.59% | 72.30% | 75.26% | 72.61% | 76.23% | 82.03% | 75.13% | 68.47% | -413 bps | |
| Non-Interest Burden | 2.14% | 2.32% | 2.30% | 2.23% | 2.50% | 2.62% | 2.36% | 2.31% | +8 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% | -0.04% | 0.00% | 0.00% | 0.01% | 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 |