Osceola, IA · Cert 14980
FDIC · 3 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Osceola, IA · Cert 14980
FDIC · 3 branches
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.79% | 1.10% | 0.99% | 1.00% | 1.23% | 1.14% | 1.09% | +9 bps | |
| Return on Equity | 6.75% | 7.01% | 10.17% | 9.28% | 9.41% | 11.67% | 11.16% | 10.45% | +117 bps | |
| Net Interest Margin | 3.24% | 3.22% | 3.14% | 3.18% | 3.28% | 3.28% | 3.44% | 3.47% | +29 bps | |
| Efficiency Ratio | 71.19% | 72.54% | 60.04% | 63.08% | 62.76% | 62.98% | 63.07% | 59.81% | -328 bps | |
| Non-Interest Burden | 2.20% | 2.22% | 1.55% | 1.80% | 1.87% | 1.89% | 2.04% | 1.94% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.77% | 0.83% | 2.28% | 1.39% | 2.36% | 2.64% | 2.03% | 0.85% | -54 bps | |
| Loan Growth (YoY) | -1.38% | 3.18% | 3.07% | 5.46% | 6.20% | 6.24% | 8.66% | 3.32% | -214 bps | |
| Deposit Growth (YoY) | 3.35% | 2.68% | 2.79% | 4.51% | 3.59% | 5.60% | 2.81% | 1.05% | -346 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.47% | 0.58% | 0.34% | 0.21% | 0.20% | 0.21% | -37 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.17% | 0.25% | 0.03% | 0.01% | 0.14% | 0.06% | 0.03% | 0 bps | |
| Allowance / Loans | 1.45% | 1.33% | 1.29% | 1.24% | 1.27% | 1.11% | 1.09% | 1.07% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.8x | 2.1x | 3.7x | 5.3x | 5.4x | 5.0x | +2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.42% | 10.99% | 11.16% | 10.37% | 10.55% | 10.29% | 10.44% | 10.44% | +7 bps | |
| Total Risk-Based Capital | 16.47% | 15.82% | 16.02% | 14.50% | 14.70% | 14.42% | 14.39% | 14.56% | +6 bps | |
| Equity / Assets | 11.46% | 10.84% | 10.72% | 10.54% | 10.44% | 10.37% | 10.15% | 10.72% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.31% | 79.63% | 74.06% | 82.26% | 79.25% | 80.11% | 78.27% | 84.10% | +185 bps | |
| Liquid Assets / Assets | 1.58% | 1.61% | 5.40% | 0.88% | 2.62% | 1.84% | 4.95% | 2.42% | +154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |