Oskaloosa, IA · Cert 15484
FDIC · 3 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Oskaloosa, IA · Cert 15484
FDIC · 3 branches
Q3 2016
Market Position · Des Moines-West Des Moines, IA · 2016 SOD (annual) · 0.1% share · #46 of 50 inst. · $0.0B of $16.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.63% | 0.57% | 0.62% | 0.71% | 1.08% | 0.06% | 0.38% | -24 bps | |
| Return on Equity | 8.49% | 5.75% | 5.12% | 5.62% | 6.43% | 9.80% | 0.58% | 3.28% | -233 bps | |
| Net Interest Margin | 3.16% | 3.36% | 3.30% | 3.39% | 3.47% | 3.66% | 0.17% | 1.43% | -196 bps | |
| Efficiency Ratio | 78.31% | 78.54% | 79.65% | 77.41% | 74.42% | 69.34% | 37.50% | 57.85% | -1,956 bps | |
| Non-Interest Burden | 2.29% | 2.40% | 2.45% | 2.44% | 2.38% | 2.34% | 0.05% | 0.75% | -169 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.10% | 11.44% | 13.53% | 5.86% | 5.60% | 8.21% | 17.59% | 10.31% | +446 bps | |
| Loan Growth (YoY) | 21.35% | 19.94% | 14.97% | 6.46% | 10.25% | 16.68% | 15.19% | 4.54% | -191 bps | |
| Deposit Growth (YoY) | 4.38% | 5.64% | 8.86% | 6.56% | 5.99% | 9.04% | 12.28% | 2.75% | -381 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.25% | -0.12% | -0.12% | -0.08% | 0.00% | 0.00% | 0.00% | +12 bps | |
| Allowance / Loans | 1.38% | 1.49% | 1.44% | 1.42% | 1.34% | 1.30% | 0.01% | 0.03% | -139 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | 10.94% | 10.78% | 11.17% | 11.25% | 11.28% | 8.62% | 10.60% | -57 bps | |
| Total Risk-Based Capital | 15.02% | 16.09% | 15.90% | 15.90% | 14.43% | 14.31% | 10.02% | 13.59% | -231 bps | |
| Equity / Assets | 10.82% | 11.21% | 11.06% | 11.24% | 10.91% | 11.11% | 11.67% | 12.62% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.35% | 80.91% | 81.91% | 84.62% | 84.62% | 86.57% | 84.03% | 86.10% | +148 bps | |
| Liquid Assets / Assets | 3.33% | 5.99% | 4.10% | 2.91% | 1.47% | 2.99% | 2.26% | 9.12% | +621 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |