Panora, IA · Cert 18001
FDIC · 1 branch
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Panora, IA · Cert 18001
FDIC · 1 branch
Q2 2019
Market Position · Des Moines-West Des Moines, IA · 2019 SOD (annual) · 0.3% share · #40 of 55 inst. · $0.1B of $20.5B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.83% | 1.82% | 0.39% | 0.76% | 0.96% | 1.03% | 1.42% | 1.46% | +71 bps | |
| Return on Equity | 9.20% | 9.15% | 2.27% | 4.70% | 6.14% | 6.74% | 9.97% | 10.11% | +541 bps | |
| Net Interest Margin | 3.00% | 2.92% | 0.89% | 1.81% | 2.25% | 2.45% | 3.12% | 3.01% | +120 bps | |
| Efficiency Ratio | 32.85% | 32.65% | 40.00% | 40.44% | 39.78% | 40.86% | 41.76% | 41.24% | +80 bps | |
| Non-Interest Burden | 0.94% | 0.91% | 0.36% | 0.74% | 0.90% | 1.01% | 1.31% | 1.25% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.90% | -0.63% | -9.40% | -8.57% | -10.27% | -8.41% | 3.73% | 7.33% | +1,590 bps | |
| Loan Growth (YoY) | -15.73% | -14.08% | -0.08% | -5.70% | 15.73% | 32.13% | 23.59% | 43.83% | +4,953 bps | |
| Deposit Growth (YoY) | -0.02% | -0.31% | -2.28% | -0.23% | -3.25% | -1.50% | 1.43% | 4.80% | +503 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 | 0.05% | 0.03% | 0.00% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.00% | 1.03% | 0.04% | 0.16% | 0.26% | 0.33% | 0.38% | 0.42% | +25 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 | 17.22% | 17.21% | 8.66% | 8.82% | 9.30% | 9.40% | 9.46% | 9.30% | +48 bps | |
| Total Risk-Based Capital | 37.13% | 39.05% | 18.34% | 20.17% | 16.01% | 18.55% | 18.29% | 14.76% | -541 bps | |
| Equity / Assets | 20.50% | 20.21% | 13.57% | 13.94% | 14.10% | 14.09% | 14.47% | 14.86% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.89% | 38.92% | 46.60% | 43.49% | 48.91% | 52.21% | 56.77% | 59.69% | +1,620 bps | |
| Liquid Assets / Assets | 49.07% | 48.84% | 6.48% | 12.75% | 2.43% | 4.96% | 3.52% | 4.38% | -837 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |