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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 1.13% | 1.46% | 1.17% | 1.24% | +10 bps | |
| Return on Equity | 11.54% | 11.66% | 15.19% | 9.53% | 8.13% | -341 bps | |
| Net Interest Margin | 3.08% | 3.03% | 3.10% | 3.53% | 4.15% | +108 bps | |
| Efficiency Ratio | 63.64% | 65.84% | 62.53% | 54.81% | 58.29% | -535 bps | |
| Non-Interest Burden | 1.76% | 1.80% | 1.64% | 1.58% | 2.06% | +30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.29% | 3.33% | 5.31% | 0.40% | -0.14% | -143 bps | |
| Loan Growth (YoY) | 10.06% | 9.19% | 8.00% | 4.48% | 4.42% | -564 bps | |
| Deposit Growth (YoY) | 0.66% | 4.79% | 10.75% | 5.04% | 1.31% | +65 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.83% | 0.87% | 0.69% | 0.89% | 0.79% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.09% | 0.00% | 0.04% | +4 bps | |
| Allowance / Loans | 1.05% | 1.03% | 1.00% | 0.11% | 0.25% | -80 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 1.4x | 0.1x | 0.3x | -0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.20% | 8.05% | 8.24% | 8.36% | 8.55% | +35 bps | |
| Total Risk-Based Capital | 12.05% | 11.69% | 12.02% | 11.21% | 11.90% | -16 bps | |
| Equity / Assets | 9.90% | 9.46% | 9.77% | 14.90% | 15.63% | +573 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.92% | 76.90% | 71.36% | 74.91% | 76.18% | +227 bps | |
| Liquid Assets / Assets | 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 |