Adair, IA · Cert 18838
FDIC · 1 branch
Q3 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 0.53% | 0.35% | 0.14% | -0.46% | -173 bps | |
| Return on Equity | 9.20% | 3.75% | 2.42% | 0.91% | -2.76% | -1,196 bps | |
| Net Interest Margin | 2.53% | 2.51% | 2.56% | 2.32% | 2.46% | -6 bps | |
| Efficiency Ratio | 83.08% | 77.54% | 83.91% | 93.13% | 117.15% | +3,408 bps | |
| Non-Interest Burden | 1.99% | 1.79% | 2.04% | 2.08% | 2.87% | +88 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 |