Albia, IA · Cert 26911
FDIC · 3 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Albia, IA · Cert 26911
FDIC · 3 branches
Q4 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.87% | 0.89% | 0.87% | 0.85% | 0.87% | 0.88% | 0.68% | -19 bps | |
| Return on Equity | 5.86% | 7.14% | 7.22% | 6.98% | 6.39% | 6.38% | 6.38% | 4.92% | -206 bps | |
| Net Interest Margin | 3.24% | 3.20% | 3.30% | 3.34% | 3.24% | 3.28% | 3.33% | 3.29% | -5 bps | |
| Efficiency Ratio | 77.74% | 73.86% | 73.63% | 74.32% | 76.02% | 74.89% | 74.49% | 79.82% | +550 bps | |
| Non-Interest Burden | 2.41% | 2.24% | 2.29% | 2.34% | 2.33% | 2.33% | 2.34% | 2.51% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.31% | 1.56% | -1.24% | -0.39% | -4.50% | -2.63% | 0.18% | 1.48% | +187 bps | |
| Loan Growth (YoY) | 1.36% | 1.76% | -1.05% | -0.80% | 1.87% | 2.32% | 5.98% | 1.87% | +267 bps | |
| Deposit Growth (YoY) | 4.49% | 2.29% | 0.47% | -0.65% | -5.18% | -3.38% | -3.77% | -0.08% | +57 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.46% | 0.37% | 0.29% | 0.28% | 0.29% | 0.40% | 0.45% | +16 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.19% | -0.13% | -0.02% | 0.01% | 0.02% | 0.02% | 0.02% | +4 bps | |
| Allowance / Loans | 0.93% | 1.04% | 1.08% | 1.00% | 1.00% | 1.00% | 1.01% | 1.05% | +5 bps | |
| Allowance Coverage of NPLs | 4.8x | 2.3x | 2.9x | 3.5x | 3.6x | 3.4x | 2.5x | 2.3x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.52% | 11.57% | 12.11% | 12.42% | 12.43% | 12.81% | 13.18% | 13.01% | +59 bps | |
| Total Risk-Based Capital | 18.36% | 19.32% | 18.88% | 20.15% | 19.56% | 19.97% | 21.50% | 20.67% | +51 bps | |
| Equity / Assets | 11.77% | 12.36% | 12.68% | 13.14% | 13.48% | 14.09% | 14.29% | 14.10% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.60% | 69.37% | 68.54% | 71.33% | 71.55% | 73.47% | 75.49% | 72.72% | +139 bps | |
| Liquid Assets / Assets | 2.75% | 3.43% | 3.50% | 3.70% | 3.47% | 3.10% | 2.89% | 2.22% | -147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |