Huxley, IA · Cert 14251
FDIC · 3 branches
Q1 2023
Market Position · Ames, IA · 2022 SOD (annual) · 0.9% share · #17 of 25 inst. · $0.0B of $3.8B
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.11% | -0.72% | -0.73% | -1.02% | -1.17% | -6 bps | |
| Return on Equity | -7.55% | -4.98% | -5.12% | -7.36% | -10.33% | -278 bps | |
| Net Interest Margin | 2.78% | 3.26% | 3.38% | 3.40% | 3.44% | +66 bps | |
| Efficiency Ratio | 114.95% | 113.65% | 112.61% | 116.43% | 124.81% | +986 bps | |
| Non-Interest Burden | 3.88% | 4.28% | 4.25% | 4.48% | 4.72% | +84 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -33.23% | -31.75% | -13.92% | 2.59% | 5.34% | +3,857 bps | |
| Loan Growth (YoY) | -34.07% | -27.33% | -6.64% | 10.16% | 17.51% | +5,158 bps | |
| Deposit Growth (YoY) | -14.08% | -6.81% | -2.13% | 9.66% | 17.29% | +3,138 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.18% | 0.17% | 0.00% | 0.00% | 0.00% | -18 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.36% | 1.06% | 0.99% | 0.92% | 0.00% | -136 bps | |
| Allowance Coverage of NPLs | 7.5x | 6.3x | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.79% | 12.18% | 11.48% | 10.45% | 9.17% | -261 bps | |
| Total Risk-Based Capital | 17.86% | 17.13% | 16.29% | 14.52% | 12.06% | -580 bps | |
| Equity / Assets | 14.56% | 13.96% | 13.59% | 12.20% | 10.51% | -405 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.30% | 105.48% | 119.75% | 117.74% | 109.50% | +20 bps | |
| Liquid Assets / Assets | 8.60% | 6.71% | 3.70% | 3.10% | 3.38% | -522 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |