Brunsville, IA · Cert 17347
FDIC · 3 branches
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -0.12% | 0.09% | -4.15% | 0.54% | 0.40% | 0.39% | -0.39% | +376 bps | |
| Return on Equity | -6.33% | -1.58% | 1.26% | -58.49% | 8.15% | 6.03% | 5.53% | -5.29% | +5,320 bps | |
| Net Interest Margin | 2.96% | 2.79% | 2.57% | 2.45% | 2.25% | 2.57% | 2.65% | 2.11% | -34 bps | |
| Efficiency Ratio | 111.07% | 103.91% | 96.91% | 191.07% | 89.07% | 86.05% | 87.08% | 117.48% | -7,360 bps | |
| Non-Interest Burden | 3.32% | 2.91% | 2.48% | 6.52% | 1.94% | 2.18% | 2.27% | 2.52% | -400 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.15% | -1.22% | 14.69% | 14.66% | 14.83% | 13.29% | -3.83% | 3.01% | -1,165 bps | |
| Loan Growth (YoY) | -6.26% | -6.02% | -7.64% | -0.52% | -3.87% | -12.85% | -16.96% | -20.80% | -2,028 bps | |
| Deposit Growth (YoY) | -20.57% | -2.05% | 15.06% | 16.98% | 16.58% | 14.56% | -3.52% | 2.84% | -1,415 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.74% | 0.76% | 0.76% | 1.34% | 1.15% | 1.14% | 0.67% | 0.71% | -63 bps | |
| Net Charge-Offs / Loans | -0.08% | -0.08% | 0.00% | 1.97% | 0.01% | 0.00% | -0.02% | 0.00% | -197 bps | |
| Allowance / Loans | 2.19% | 2.27% | 2.31% | 1.96% | 1.92% | 2.18% | 2.33% | 2.47% | +51 bps | |
| Allowance Coverage of NPLs | 3.0x | 3.0x | 3.1x | 1.5x | 1.7x | 1.9x | 3.5x | 3.5x | +2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.59% | 7.44% | 6.87% | 5.70% | 5.76% | 6.91% | 7.00% | 7.32% | +162 bps | |
| Total Risk-Based Capital | 13.31% | 13.54% | 13.43% | 12.10% | 11.73% | 16.62% | 17.80% | 17.83% | +573 bps | |
| Equity / Assets | 7.87% | 7.39% | 7.48% | 6.68% | 6.64% | 6.66% | 7.43% | 7.22% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.52% | 48.09% | 42.17% | 43.09% | 42.48% | 36.58% | 36.29% | 33.19% | -991 bps | |
| Liquid Assets / Assets | 0.32% | 5.30% | 10.00% | 5.25% | 3.51% | 9.23% | 8.48% | 8.47% | +322 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |