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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.63% | 0.50% | 0.74% | 0.97% | 1.08% | -0.90% | 0.98% | +24 bps | |
| Return on Equity | 1.04% | 5.75% | 4.50% | 6.60% | 8.80% | 9.80% | -7.86% | 8.05% | +145 bps | |
| Net Interest Margin | 3.51% | 3.36% | 3.30% | 3.58% | 3.87% | 3.66% | -3.39% | 3.96% | +38 bps | |
| Efficiency Ratio | 88.60% | 78.54% | 80.88% | 73.19% | 66.34% | 69.34% | 37.50% | 59.45% | -1,374 bps | |
| Non-Interest Burden | 3.03% | 2.40% | 2.55% | 2.40% | 2.32% | 2.34% | -2.18% | 2.14% | -27 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 | -0.08% | -0.25% | 0.00% | -0.12% | 0.00% | 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 |