Wapello, IA · Cert 15308
FDIC · 1 branch
Q3 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.38% | 0.28% | 1.14% | 0.76% | +22 bps | |
| Return on Equity | 4.08% | 2.92% | 2.28% | 9.58% | 6.60% | +252 bps | |
| Net Interest Margin | 2.04% | 1.98% | 1.83% | 1.98% | 2.40% | +35 bps | |
| Efficiency Ratio | 74.49% | 81.48% | 81.90% | 54.39% | 63.48% | -1,101 bps | |
| Non-Interest Burden | 1.46% | 1.57% | 1.45% | 0.56% | 1.42% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.39% | 9.00% | 5.23% | 3.75% | 0.75% | -564 bps | |
| Loan Growth (YoY) | -4.05% | -4.01% | -0.34% | 0.98% | -6.41% | -237 bps | |
| Deposit Growth (YoY) | 7.34% | 10.59% | 7.35% | 5.99% | 3.14% | -420 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.10% | -0.03% | -0.03% | -3 bps | |
| Allowance / Loans | 0.48% | 0.52% | 0.51% | 0.53% | 0.53% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.07% | 12.98% | 12.75% | 12.65% | 13.25% | +18 bps | |
| Total Risk-Based Capital | 29.98% | 31.45% | 31.45% | 33.35% | 34.60% | +462 bps | |
| Equity / Assets | 13.32% | 12.79% | 12.02% | 11.73% | 11.38% | -194 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 34.98% | 31.55% | 32.07% | 31.40% | 31.74% | -324 bps | |
| Liquid Assets / Assets | 40.35% | 41.52% | 46.77% | 32.25% | 23.49% | -1,686 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |