New Hampton, IA · Cert 15503
FDIC · 8 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
New Hampton, IA · Cert 15503
FDIC · 8 branches
Q2 2019
Market Position · Waterloo-Cedar Falls, IA · 2019 SOD (annual) · 3.7% share · #9 of 25 inst. · $0.1B of $3.9B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.12% | 0.94% | 1.04% | 1.07% | 1.16% | 1.17% | 1.20% | +17 bps | |
| Return on Equity | 10.80% | 10.18% | 9.42% | 10.47% | 10.89% | 11.89% | 9.53% | 9.00% | -147 bps | |
| Net Interest Margin | 3.07% | 3.03% | 2.97% | 3.01% | 3.01% | 2.98% | 3.53% | 3.82% | +81 bps | |
| Efficiency Ratio | 68.26% | 69.59% | 69.75% | 66.69% | 66.41% | 65.36% | 54.81% | 56.68% | -1,001 bps | |
| Non-Interest Burden | 1.89% | 1.91% | 1.86% | 1.80% | 1.79% | 1.73% | 1.58% | 1.81% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.64% | -2.09% | -2.08% | 1.29% | 3.33% | 5.31% | 0.40% | -0.14% | -143 bps | |
| Loan Growth (YoY) | 9.83% | 12.21% | 11.12% | 10.06% | 9.19% | 8.00% | 4.48% | 4.42% | -564 bps | |
| Deposit Growth (YoY) | -1.36% | -2.10% | -2.52% | 0.66% | 4.79% | 10.75% | 5.04% | 1.31% | +65 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.28% | 0.82% | 0.83% | 0.87% | 0.69% | 0.89% | 0.79% | -4 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.00% | 0.00% | 0.01% | 0.03% | 0.00% | 0.02% | +2 bps | |
| Allowance / Loans | 1.06% | 1.02% | 1.02% | 1.05% | 1.03% | 1.00% | 0.11% | 0.25% | -80 bps | |
| Allowance Coverage of NPLs | 5.5x | 3.6x | 1.2x | 1.3x | 1.2x | 1.4x | 0.1x | 0.3x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.74% | 8.22% | 8.30% | 8.20% | 8.05% | 8.24% | 8.36% | 8.55% | +35 bps | |
| Total Risk-Based Capital | 14.12% | 11.71% | 12.01% | 12.05% | 11.69% | 12.02% | 11.21% | 11.90% | -16 bps | |
| Equity / Assets | 11.99% | 10.06% | 9.81% | 9.90% | 9.46% | 9.77% | 14.90% | 15.63% | +573 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.80% | 73.18% | 75.31% | 73.92% | 76.90% | 71.36% | 74.91% | 76.18% | +227 bps | |
| Liquid Assets / Assets | 0.03% | 0.05% | 0.03% | 0.03% | 0.04% | 0.04% | 0.05% | 0.07% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |