Titonka, IA · Cert 17302
FDIC · 3 branches
Q2 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | -0.83% | 0.47% | 1.05%1 | 0.60% | -2.26% | 0.99% | 2.55% | +150 bps | |
| Return on Equity | 3.76% | -7.42% | 4.13% | 8.91% | 5.11% | -21.48% | 10.72% | 27.42% | +1,851 bps | |
| Net Interest Margin | 2.79% | 2.58% | 2.79% | 2.63% | 2.83% | -7.33% | 2.46% | 4.17% | +154 bps | |
| Efficiency Ratio | 78.86% | 76.24% | 78.34% | 83.29% | 73.73% | 126.77% | 62.76% | 38.82% | -4,447 bps | |
| Non-Interest Burden | 2.11% | 1.86% | 2.09% | 2.12% | 1.96% | -5.10% | 1.38% | 1.39% | -73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.41% | 2.51% | 3.33% | 6.26% | 8.62% | 1.86% | 11.23% | 6.42% | +15 bps | |
| Loan Growth (YoY) | 1.59% | 3.91% | 7.47% | 6.14% | 1.51% | 4.99% | -2.74% | -5.45% | -1,159 bps | |
| Deposit Growth (YoY) | -1.17% | 0.39% | 0.69% | 4.98% | 7.26% | 5.69% | 19.17% | 12.43% | +745 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.00% | 3.00% | 2.93% | 2.92% | 2.44% | 0.74% | 0.39% | 0.61% | -230 bps | |
| Net Charge-Offs / Loans | 0.02% | 3.81% | -0.01% | 1.04% | 0.01% | -1.03% | -0.01% | -0.02% | -106 bps | |
| Allowance / Loans | 1.88% | 1.80% | 1.81% | 1.84% | 2.00% | 0.00% | 0.01% | 0.01% | -183 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.6x | 0.6x | 0.8x | 0.0x | 0.0x | 0.0x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.82% | 11.30% | 11.51% | 11.47% | 11.28% | 8.29% | 8.38% | 7.43% | -404 bps | |
| Total Risk-Based Capital | 21.67% | 20.28% | 20.63% | 20.88% | 21.23% | 14.82% | 15.58% | 15.33% | -554 bps | |
| Equity / Assets | 11.23% | 11.15% | 11.60% | 12.04% | 11.29% | 9.71% | 8.73% | 9.92% | -212 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.52% | 58.88% | 60.34% | 62.64% | 55.38% | 58.49% | 49.25% | 52.68% | -996 bps | |
| Liquid Assets / Assets | 0.00% | 0.02% | 0.09% | 0.04% | 0.03% | 0.04% | 2.90% | 0.19% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |