Frederika, IA · Cert 25668
FDIC · 1 branch
Q4 2021
Market Position · Waterloo-Cedar Falls, IA · 2021 SOD (annual) · 1.0% share · #19 of 24 inst. · $0.0B of $4.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 0.98% | 0.72% | 0.35% | 0.49% | 0.61% | 0.42% | -1.05% | -140 bps | |
| Return on Equity | 6.37% | 5.17% | 3.89% | 1.98% | 2.95% | 3.63% | 2.44% | -6.13% | -812 bps | |
| Net Interest Margin | 2.84% | 2.62% | 2.21% | 1.93% | 1.77% | 1.62% | 1.60% | 1.60% | -33 bps | |
| Efficiency Ratio | 47.93% | 52.99% | 59.66% | 87.32% | 64.03% | 58.97% | 69.39% | 134.23% | +4,691 bps | |
| Non-Interest Burden | 1.22% | 1.30% | 1.24% | 1.65% | 1.08% | 0.82% | 1.04% | 2.35% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.96% | 5.94% | 8.09% | 13.29% | 18.22% | 12.43% | 7.31% | -0.58% | -1,387 bps | |
| Loan Growth (YoY) | -0.52% | -8.42% | -11.23% | -9.42% | -20.26% | -16.10% | -17.15% | -13.59% | -417 bps | |
| Deposit Growth (YoY) | 0.35% | 6.36% | 9.46% | 12.77% | 23.08% | 15.66% | 8.84% | 5.71% | -707 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.48% | 0.23% | 0.15% | 0.76% | 0.18% | 0.30% | 0.27% | +13 bps | |
| Net Charge-Offs / Loans | -0.08% | 0.02% | -0.07% | 0.10% | -0.07% | -0.06% | 0.00% | 0.00% | -10 bps | |
| Allowance / Loans | 1.06% | 1.20% | 1.26% | 1.22% | 1.34% | 1.46% | 1.53% | 1.44% | +22 bps | |
| Allowance Coverage of NPLs | 1.5x | 2.5x | 5.6x | 8.4x | 1.8x | 8.3x | 5.1x | 5.3x | -3.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.85% | 18.69% | 18.37% | 17.40% | 16.97% | 16.43% | 16.95% | 16.75% | -65 bps | |
| Total Risk-Based Capital | 18.85% | 18.69% | 18.37% | 17.40% | 16.97% | 16.43% | 16.95% | 16.75% | -65 bps | |
| Equity / Assets | 19.21% | 18.51% | 18.39% | 16.75% | 16.60% | 16.74% | 17.37% | 16.84% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.72% | 64.86% | 61.28% | 58.53% | 51.01% | 47.05% | 46.65% | 47.84% | -1,068 bps | |
| Liquid Assets / Assets | 11.18% | 33.47% | 32.71% | 34.49% | 44.42% | 49.46% | 49.72% | 52.45% | +1,797 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |