Adair, IA · Cert 18838
FDIC · 1 branch
Q3 2024
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.74% | 0.35% | 0.25% | 0.05% | -76 bps | |
| Return on Equity | 6.24% | 5.61% | 2.42% | 1.66% | 0.32% | -592 bps | |
| Net Interest Margin | 2.86% | 2.69% | 2.56% | 2.49% | 2.62% | -24 bps | |
| Efficiency Ratio | 76.91% | 77.07% | 83.91% | 88.26% | 97.68% | +2,077 bps | |
| Non-Interest Burden | 2.07% | 1.94% | 2.04% | 2.10% | 2.47% | +40 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.23% | -11.62% | -7.22% | -8.02% | -11.62% | +361 bps | |
| Loan Growth (YoY) | -3.71% | -6.60% | -7.67% | -6.53% | -3.39% | +32 bps | |
| Deposit Growth (YoY) | -28.97% | -24.73% | -20.66% | -3.26% | -3.57% | +2,540 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.03% | 1.06% | 1.14% | 1.09% | 1.07% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.90% | 13.03% | 13.63% | 14.23% | 15.12% | +122 bps | |
| Total Risk-Based Capital | 29.34% | 28.38% | 31.76% | 31.09% | 30.00% | +66 bps | |
| Equity / Assets | 14.09% | 13.95% | 14.69% | 15.92% | 17.09% | +300 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.19% | 52.83% | 52.32% | 53.58% | 57.30% | +10 bps | |
| Liquid Assets / Assets | 17.05% | 20.56% | 21.86% | 16.83% | 15.51% | -154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |