Osceola, IA · Cert 14980
FDIC · 3 branches
Q2 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.85% | 1.10% | 0.88% | 1.02% | 1.93% | 1.14% | 1.02% | +14 bps | |
| Return on Equity | 6.75% | 7.66% | 10.17% | 8.27% | 9.74% | 18.59% | 11.16% | 9.76% | +149 bps | |
| Net Interest Margin | 3.26% | 3.23% | 3.14% | 3.28% | 3.43% | 3.40% | 3.44% | 3.54% | +25 bps | |
| Efficiency Ratio | 70.81% | 76.34% | 60.04% | 66.39% | 62.12% | 63.62% | 63.07% | 56.65% | -974 bps | |
| Non-Interest Burden | 2.20% | 2.34% | 1.55% | 2.07% | 1.99% | 2.03% | 2.04% | 1.85% | -22 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 | 0.91% | -0.04% | 0.25% | -0.17% | -0.02% | 0.51% | 0.06% | 0.00% | +17 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 |