Laurens, IA · Cert 15320
FDIC · 3 branches
Q2 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 0.87% | 0.58% | 1.39% | -1.52% | -256 bps | |
| Return on Equity | 8.68% | 7.44% | 5.17% | 13.54% | -16.38% | -2,506 bps | |
| Net Interest Margin | 2.72% | 2.34% | 2.14% | 2.69% | 1.87% | -86 bps | |
| Efficiency Ratio | 63.07% | 64.69% | 74.84% | 53.30% | 174.19% | +11,112 bps | |
| Non-Interest Burden | 1.64% | 1.43% | 1.54% | 1.34% | 3.41% | +178 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.75% | 9.32% | 9.72% | 22.94% | 22.36% | +1,661 bps | |
| Loan Growth (YoY) | -3.05% | -2.98% | -2.61% | -7.65% | -9.37% | -632 bps | |
| Deposit Growth (YoY) | 5.81% | 10.09% | 10.93% | 27.08% | 26.24% | +2,043 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | -0.02% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.26% | 1.26% | 1.39% | 1.38% | +14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.66% | 11.54% | 11.01% | 10.35% | 9.05% | -262 bps | |
| Total Risk-Based Capital | 11.66% | 11.54% | 11.01% | 10.35% | 9.05% | -262 bps | |
| Equity / Assets | 11.91% | 11.57% | 11.04% | 9.54% | 9.01% | -290 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.76% | 41.93% | 39.08% | 32.08% | 31.41% | -1,234 bps | |
| Liquid Assets / Assets | 39.46% | 32.53% | 30.36% | 33.01% | 31.62% | -784 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |