Bancroft, IA · Cert 16717
FDIC · 1 branch
Q4 2021
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.81% | 0.72% | 0.61% | 0.35% | -32 bps | |
| Return on Equity | 6.30% | 8.06% | 7.21% | 6.13% | 3.72% | -258 bps | |
| Net Interest Margin | 2.72% | 2.47% | 2.43% | 2.35% | 2.29% | -44 bps | |
| Efficiency Ratio | 73.81% | 66.99% | 70.49% | 74.16% | 84.33% | +1,053 bps | |
| Non-Interest Burden | 1.95% | 1.63% | 1.68% | 1.71% | 1.90% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.59% | 11.12% | 10.39% | 5.68% | 13.59% | +300 bps | |
| Loan Growth (YoY) | -0.77% | -5.78% | -18.65% | -22.40% | -17.90% | -1,713 bps | |
| Deposit Growth (YoY) | 13.42% | 22.72% | 18.98% | 12.78% | 24.97% | +1,155 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.07% | 0.08% | 0.07% | 0.00% | -7 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.00% | -0.05% | -4 bps | |
| Allowance / Loans | 2.07% | 2.08% | 2.40% | 2.56% | 2.52% | +45 bps | |
| Allowance Coverage of NPLs | 28.4x | 30.6x | 31.9x | 34.8x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.92% | 9.62% | 9.55% | 9.67% | 8.22% | -270 bps | |
| Total Risk-Based Capital | 18.69% | 20.03% | 21.10% | 22.50% | 15.80% | -289 bps | |
| Equity / Assets | 10.34% | 9.88% | 9.88% | 9.69% | 7.38% | -296 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.77% | 69.35% | 60.04% | 53.74% | 48.47% | -2,530 bps | |
| Liquid Assets / Assets | 0.17% | 0.29% | 0.19% | 0.22% | 0.13% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |