Rolfe, IA · Cert 15575
FDIC · 2 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 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.
Rolfe, IA · Cert 15575
FDIC · 2 branches
Q1 2019
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.90% | 0.99% | 1.08% | 1.11% | 1.13% | 0.95% | -0.69% | -177 bps | |
| Return on Equity | 6.66% | 7.24% | 7.98% | 8.60% | 8.70% | 8.81% | 7.39% | -5.24% | -1,384 bps | |
| Net Interest Margin | 3.71% | 3.79% | 3.76% | 3.67% | 3.79% | 3.79% | 3.65% | 3.86% | +19 bps | |
| Efficiency Ratio | 73.66% | 72.69% | 70.79% | 68.74% | 68.61% | 68.55% | 69.05% | 115.45% | +4,671 bps | |
| Non-Interest Burden | 2.60% | 2.61% | 2.50% | 2.38% | 2.44% | 2.43% | 2.36% | 4.53% | +215 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.39% | -5.49% | -0.19% | 2.43% | 0.81% | 0.44% | 0.57% | -6.75% | -918 bps | |
| Loan Growth (YoY) | -3.20% | -5.66% | -0.99% | 0.28% | -0.88% | -2.63% | -5.11% | -6.35% | -663 bps | |
| Deposit Growth (YoY) | -5.53% | 0.58% | -3.50% | 2.06% | 3.12% | 0.17% | 3.59% | -7.70% | -976 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 1.15% | 1.32% | 3.12% | 2.32% | 2.23% | 0.77% | 1.26% | -186 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.03% | 0.28% | 0.11% | 0.07% | 0.06% | 0.49% | 0.00% | -11 bps | |
| Allowance / Loans | 1.36% | 1.42% | 1.21% | 1.30% | 1.35% | 1.42% | 1.33% | 1.40% | +10 bps | |
| Allowance Coverage of NPLs | 12.0x | 1.2x | 0.9x | 0.4x | 0.6x | 0.6x | 1.7x | 1.1x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.37% | 12.80% | 12.93% | 12.68% | 13.08% | 13.22% | 12.83% | 12.70% | +2 bps | |
| Total Risk-Based Capital | 18.76% | 18.91% | 18.73% | 19.76% | 19.93% | 20.49% | 20.53% | 20.66% | +90 bps | |
| Equity / Assets | 12.62% | 12.79% | 12.63% | 12.53% | 12.98% | 13.12% | 12.80% | 13.41% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.86% | 74.41% | 75.11% | 69.32% | 72.92% | 72.33% | 68.79% | 70.33% | +102 bps | |
| Liquid Assets / Assets | 18.26% | 18.50% | 17.49% | 24.62% | 22.93% | 25.16% | 26.17% | 26.01% | +138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |