Center Point, IA · Cert 19293
FDIC · 1 branch
Q1 2020
Market Position · Cedar Rapids, IA · 2019 SOD (annual) · 0.5% share · #32 of 39 inst. · $0.0B of $6.3B
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.04% | 1.02% | 0.91% | 0.90% | 0.86% | 0.88% | 0.90% | -1 bps | |
| Return on Equity | 15.18% | 14.09% | 13.80% | 11.83% | 11.32% | 10.55% | 10.76% | 11.11% | -72 bps | |
| Net Interest Margin | 3.34% | 3.32% | 3.40% | 3.40% | 3.34% | 3.30% | 3.20% | 3.09% | -31 bps | |
| Efficiency Ratio | 68.95% | 69.20% | 68.96% | 70.25% | 71.47% | 72.34% | 72.76% | 72.28% | +203 bps | |
| Non-Interest Burden | 2.19% | 2.20% | 2.25% | 2.29% | 2.28% | 2.28% | 2.22% | 2.11% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.92% | -2.36% | -3.15% | 1.28% | -0.41% | -0.82% | 0.61% | -2.44% | -372 bps | |
| Loan Growth (YoY) | -7.97% | -6.14% | -4.48% | 4.02% | 5.18% | -0.21% | -5.99% | -2.56% | -658 bps | |
| Deposit Growth (YoY) | -2.09% | -3.78% | -0.94% | -0.88% | -6.27% | -2.29% | -2.67% | -1.67% | -79 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.62% | 0.70% | 0.00% | 0.00% | 0.45% | 0.47% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | 0.41% | 0.20% | 0.14% | 0.11% | 0.00% | -41 bps | |
| Allowance / Loans | 1.48% | 1.43% | 1.38% | 1.27% | 1.30% | 1.32% | 1.36% | 1.31% | +3 bps | |
| Allowance Coverage of NPLs | n/a | 2.3x | 2.0x | n/a | n/a | 2.9x | 2.9x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.98% | 7.90% | 8.22% | 7.91% | 8.14% | 8.12% | 8.22% | 8.01% | +10 bps | |
| Total Risk-Based Capital | 12.87% | 12.65% | 12.88% | 12.58% | 13.09% | 12.94% | 12.93% | 12.38% | -20 bps | |
| Equity / Assets | 7.44% | 7.30% | 7.69% | 7.71% | 8.50% | 8.53% | 8.67% | 7.47% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.71% | 66.62% | 66.91% | 68.72% | 68.12% | 68.04% | 64.63% | 68.10% | -62 bps | |
| Liquid Assets / Assets | 11.04% | 9.06% | 8.43% | 9.44% | 9.09% | 7.64% | 7.60% | 10.29% | +86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |