Waukon, IA · Cert 255
FDIC · 2 branches
Q1 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.88% | 1.92% | 1.63% | 2.33% | 3.36% | 2.02% | 1.84% | 1.51% | -82 bps | |
| Return on Equity | 14.49% | 14.26% | 12.27% | 18.01% | 24.89% | 14.21% | 12.43% | 9.86% | -816 bps | |
| Net Interest Margin | 3.65% | 3.48% | 3.46% | 3.83% | 3.46% | 3.51% | 3.60% | 3.53% | -31 bps | |
| Efficiency Ratio | 50.72% | 47.24% | 55.41% | 41.20% | 55.57% | 46.59% | 59.84% | 59.94% | +1,874 bps | |
| Non-Interest Burden | 1.60% | 1.34% | 1.69% | 1.27% | 1.71% | 1.37% | 1.93% | 1.93% | +67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.22% | 1.86% | 1.63% | 4.28% | 3.78% | 1.65% | 0.15% | -1.67% | -596 bps | |
| Loan Growth (YoY) | 5.09% | 5.39% | 4.83% | 9.59% | 7.91% | 6.05% | 7.58% | 4.49% | -510 bps | |
| Deposit Growth (YoY) | -1.43% | 1.08% | -0.06% | 1.91% | -0.14% | -1.57% | -4.23% | -4.94% | -685 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 1.20% | 1.51% | 0.11% | 0.05% | 0.36% | 0.09% | 0.01% | -10 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.15% | 0.13% | -0.11% | -0.08% | 0.02% | -0.02% | -0.03% | +8 bps | |
| Allowance / Loans | 1.74% | 1.77% | 1.78% | 1.75% | 1.12% | 1.11% | 0.99% | 0.98% | -77 bps | |
| Allowance Coverage of NPLs | 4.5x | 1.5x | 1.2x | 16.2x | 21.2x | 3.1x | 11.0x | 116.8x | +100.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.00% | 13.58% | 12.93% | 13.43% | 14.16% | 14.78% | 15.23% | 15.71% | +228 bps | |
| Total Risk-Based Capital | 17.97% | 17.99% | 17.71% | 17.85% | 18.52% | 19.05% | 19.41% | 19.62% | +177 bps | |
| Equity / Assets | 13.31% | 13.68% | 12.86% | 13.05% | 13.94% | 14.55% | 15.03% | 15.62% | +257 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.35% | 90.02% | 86.59% | 91.12% | 95.47% | 96.99% | 97.27% | 100.16% | +904 bps | |
| Liquid Assets / Assets | 3.34% | 3.67% | 6.11% | 4.13% | 4.58% | 3.64% | 4.56% | 3.12% | -101 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |