Sioux Rapids, IA · Cert 15369
FDIC · 2 branches
Q3 2017
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.06% | 0.77% | 0.47% | -0.27% | -80 bps | |
| Return on Equity | 3.68% | 0.42% | 5.62% | 3.42% | -1.95% | -564 bps | |
| Net Interest Margin | 2.43% | 2.40% | 2.21% | 2.58% | 2.43% | 0 bps | |
| Efficiency Ratio | 77.04% | 104.71% | 66.33% | 77.40% | 125.61% | +4,857 bps | |
| Non-Interest Burden | 1.82% | 2.53% | 1.28% | 1.94% | 3.12% | +130 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.71% | 3.35% | 12.99% | 6.07% | 8.59% | -112 bps | |
| Loan Growth (YoY) | 0.72% | -3.02% | -5.22% | 6.21% | -10.44% | -1,116 bps | |
| Deposit Growth (YoY) | 10.99% | 3.40% | 14.91% | 6.56% | 10.00% | -99 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.66% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.08% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.13% | 1.11% | 1.22% | 1.18% | 1.25% | +12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.8x | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.09% | 13.46% | 13.44% | 13.99% | 13.32% | -78 bps | |
| Total Risk-Based Capital | 39.99% | 38.17% | 39.61% | 40.10% | 41.81% | +182 bps | |
| Equity / Assets | 14.42% | 13.55% | 13.74% | 13.83% | 13.39% | -103 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 29.27% | 27.49% | 25.29% | 26.11% | 23.84% | -544 bps | |
| Liquid Assets / Assets | 72.15% | 72.45% | 75.28% | 71.84% | 75.94% | +379 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |