Winfield, IA · Cert 13992
FDIC · 1 branch
Q3 2016
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72%1 | 0.75%1 | 1.28% | 0.60% | 0.24% | -48 bps | |
| Return on Equity | 7.49% | 7.85% | 13.15% | 6.08% | 2.34% | -516 bps | |
| Net Interest Margin | 2.60% | 2.83% | 3.18% | 2.96% | 2.88% | +27 bps | |
| Efficiency Ratio | 99.27% | 89.87% | 73.06% | 83.95% | 95.18% | -409 bps | |
| Non-Interest Burden | 2.58% | 2.54% | 2.25% | 2.44% | 2.73% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.09% | 3.69% | 1.44% | -3.24% | -1.26% | -336 bps | |
| Loan Growth (YoY) | 2.94% | 12.44% | 5.89% | 0.23% | -2.19% | -513 bps | |
| Deposit Growth (YoY) | 2.73% | 3.14% | 1.30% | -4.88% | -1.91% | -464 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.30% | -0.03% | -0.02% | 0.60% | +36 bps | |
| Allowance / Loans | 1.03% | 0.91% | 0.97% | 1.09% | 0.68% | -35 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.42% | 9.35% | 9.73% | 9.61% | 9.54% | +12 bps | |
| Total Risk-Based Capital | 20.55% | 18.79% | 20.68% | 20.61% | 21.58% | +103 bps | |
| Equity / Assets | 9.69% | 9.48% | 9.92% | 10.40% | 10.54% | +84 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.09% | 50.45% | 48.13% | 47.36% | 46.95% | -13 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |