Manson, IA · Cert 223
FDIC · 1 branch
Q1 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2022, the quarter ended March 31, 2022, 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.
Manson, IA · Cert 223
FDIC · 1 branch
Q1 2022
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.77% | 0.77% | 0.93% | 0.57% | 0.40% | 0.53% | 0.21% | -72 bps | |
| Return on Equity | 7.16% | 6.02% | 6.15% | 8.74% | 5.51% | 3.82% | 5.10% | 2.65% | -609 bps | |
| Net Interest Margin | 3.02% | 2.82% | 2.53% | 2.13% | 2.03% | 2.02% | 2.03% | 1.98% | -15 bps | |
| Efficiency Ratio | 69.21% | 72.04% | 76.55% | 68.73% | 77.74% | 83.68% | 79.17% | 87.83% | +1,910 bps | |
| Non-Interest Burden | 1.96% | 1.93% | 1.87% | 1.16% | 1.44% | 1.61% | 1.48% | 1.71% | +55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.09% | 12.32% | 16.35% | 16.18% | 13.17% | 5.69% | 5.59% | 7.83% | -835 bps | |
| Loan Growth (YoY) | 5.18% | 1.39% | 4.40% | 4.58% | -10.14% | -12.91% | -15.93% | -20.54% | -2,513 bps | |
| Deposit Growth (YoY) | 6.65% | 13.98% | 18.86% | 20.16% | 16.94% | 8.27% | 7.19% | 12.54% | -761 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 6.57% | 4.64% | 4.63% | 4.59% | 4.88% | 5.24% | 5.07% | 3.88% | -71 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.04% | 0.02% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.77% | 2.36% | 2.52% | 2.50% | 2.66% | 2.85% | 2.99% | 3.15% | +65 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.5x | 0.5x | 0.5x | 0.5x | 0.5x | 0.6x | 0.8x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.89% | 11.43% | 10.54% | 10.47% | 10.14% | 10.10% | 10.41% | 9.96% | -52 bps | |
| Total Risk-Based Capital | 11.89% | 11.43% | 10.54% | 10.47% | 10.14% | 10.10% | 10.41% | 9.96% | -52 bps | |
| Equity / Assets | 12.94% | 12.29% | 11.31% | 9.94% | 10.08% | 10.19% | 9.97% | 6.04% | -390 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.94% | 51.42% | 48.95% | 47.48% | 43.75% | 41.36% | 38.39% | 33.52% | -1,396 bps | |
| Liquid Assets / Assets | 13.06% | 15.86% | 4.35% | 2.76% | 5.75% | 5.01% | 13.43% | 15.85% | +1,309 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |