Altoona, IA · Cert 15414
FDIC · 4 branches
Q3 2022
Market Position · Des Moines-West Des Moines, IA · 2022 SOD (annual) · 0.5% share · #29 of 57 inst. · $0.2B of $31.3B
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 | 0.52% | 0.02% | 0.41% | 0.41% | 0.90% | +38 bps | |
| Return on Equity | 7.21% | 0.28% | 5.99% | 6.24% | 13.50% | +629 bps | |
| Net Interest Margin | 2.58% | 2.55% | 2.55% | 2.73% | 3.36% | +78 bps | |
| Efficiency Ratio | 84.56% | 97.45% | 82.86% | 83.44% | 70.13% | -1,443 bps | |
| Non-Interest Burden | 1.96% | 2.46% | 1.94% | 2.13% | 2.15% | +19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.44% | 13.41% | 13.07% | 9.15% | 9.81% | -563 bps | |
| Loan Growth (YoY) | -4.02% | -0.46% | -0.04% | 1.76% | 7.07% | +1,109 bps | |
| Deposit Growth (YoY) | 14.71% | 13.62% | 13.34% | 9.98% | 10.28% | -443 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.80% | 1.46% | 1.46% | 1.37% | 1.44% | -36 bps | |
| Net Charge-Offs / Loans | 0.12% | -0.02% | -0.01% | 0.08% | -0.03% | -15 bps | |
| Allowance / Loans | 1.43% | 1.37% | 1.43% | 1.42% | 1.45% | +2 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 1.0x | 1.0x | 1.0x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.20% | 6.97% | 7.03% | 6.60% | 7.07% | -13 bps | |
| Total Risk-Based Capital | 14.78% | 14.02% | 13.67% | 13.09% | 13.84% | -94 bps | |
| Equity / Assets | 7.24% | 7.02% | 6.67% | 6.42% | 6.85% | -39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.72% | 63.68% | 59.37% | 59.36% | 59.93% | -180 bps | |
| Liquid Assets / Assets | 39.21% | 36.73% | 39.73% | 28.14% | 18.97% | -2,023 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |