Independence, IA · Cert 15851
FDIC · 3 branches
Q4 2017
Market Position · Cedar Rapids, IA · 2017 SOD (annual) · 0.2% share · #38 of 40 inst. · $0.0B of $5.8B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.98% | 0.97% | 0.98% | 0.94% | 0.99% | 0.99% | 0.90% | -8 bps | |
| Return on Equity | 7.96% | 7.73% | 7.56% | 7.78% | 7.76% | 8.05% | 7.95% | 7.27% | -51 bps | |
| Net Interest Margin | 3.07% | 3.01% | 3.01% | 2.91% | 2.93% | 2.91% | 2.88% | 2.86% | -6 bps | |
| Efficiency Ratio | 66.20% | 66.09% | 66.50% | 65.75% | 67.07% | 64.81% | 64.51% | 64.94% | -81 bps | |
| Non-Interest Burden | 1.77% | 1.74% | 1.74% | 1.65% | 1.69% | 1.60% | 1.58% | 1.59% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.73% | 1.72% | 0.63% | 5.30% | 3.11% | 2.87% | 4.98% | 0.56% | -474 bps | |
| Loan Growth (YoY) | 9.96% | 4.63% | 4.36% | 14.70% | 10.64% | 8.43% | 8.38% | 1.57% | -1,313 bps | |
| Deposit Growth (YoY) | 1.59% | 3.18% | 1.78% | -1.10% | 1.96% | -1.47% | -1.33% | 4.49% | +559 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 | 0.00% | 0.00% | -0.01% | 0.03% | -0.01% | 0.00% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 2.29% | 2.30% | 2.22% | 1.93% | 2.04% | 2.09% | 2.01% | 1.90% | -3 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 | 11.86% | 12.06% | 12.42% | 12.30% | 12.22% | 12.42% | 12.56% | 12.60% | +30 bps | |
| Total Risk-Based Capital | 21.28% | 21.61% | 21.67% | 20.66% | 21.34% | 22.13% | 22.20% | 21.33% | +67 bps | |
| Equity / Assets | 12.68% | 13.05% | 13.36% | 11.94% | 12.31% | 12.78% | 12.85% | 12.36% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.80% | 55.35% | 58.20% | 65.40% | 60.55% | 60.91% | 63.92% | 63.58% | -182 bps | |
| Liquid Assets / Assets | 2.13% | 2.36% | 3.35% | 4.02% | 4.15% | 4.14% | 4.10% | 4.00% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |