Walker, IA · Cert 16432
FDIC · 1 branch
Q3 2022
Market Position · Cedar Rapids, IA · 2022 SOD (annual) · 0.6% share · #28 of 38 inst. · $0.0B of $7.9B
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.66% | 1.52% | 1.22% | 1.06% | 0.46% | 0.82% | 0.86% | -36 bps | |
| Return on Equity | 10.46% | 15.61% | 14.17% | 11.31% | 9.98% | 5.06% | 9.78% | 10.56% | -75 bps | |
| Net Interest Margin | 2.87% | 3.19% | 3.19% | 2.92% | 2.69% | 2.04% | 2.16% | 2.32% | -60 bps | |
| Efficiency Ratio | 58.18% | 53.16% | 51.43% | 57.28% | 60.42% | 78.01% | 64.37% | 64.11% | +683 bps | |
| Non-Interest Burden | 1.55% | 1.56% | 1.49% | 1.54% | 1.51% | 1.53% | 1.18% | 1.30% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.56% | 10.11% | 5.47% | 2.95% | -0.39% | 5.39% | 4.22% | 0.37% | -258 bps | |
| Loan Growth (YoY) | -14.96% | -16.03% | -18.83% | -15.49% | -10.55% | -10.12% | 2.45% | -2.22% | +1,327 bps | |
| Deposit Growth (YoY) | 15.07% | 10.55% | 6.60% | 3.77% | 0.75% | 8.82% | 9.25% | 5.11% | +134 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | -0.01% | -1 bps | |
| Allowance / Loans | 1.67% | 1.65% | 1.75% | 1.76% | 1.87% | 1.85% | 1.72% | 1.82% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 177.5x | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.31% | 9.83% | 10.41% | 10.21% | 10.10% | 9.29% | 9.73% | 9.88% | -32 bps | |
| Total Risk-Based Capital | 10.31% | 9.83% | 10.41% | 10.21% | 10.10% | 9.29% | 9.73% | 9.88% | -32 bps | |
| Equity / Assets | 10.67% | 10.56% | 11.00% | 10.85% | 10.03% | 8.07% | 7.20% | 7.17% | -368 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.27% | 51.64% | 48.54% | 49.34% | 43.74% | 42.65% | 45.51% | 45.90% | -344 bps | |
| Liquid Assets / Assets | 3.55% | 3.68% | 2.72% | 3.33% | 3.19% | 3.15% | 3.94% | 3.88% | +55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |