McGregor, IA · Cert 29501
FDIC · 1 branch
Q4 2023
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.85% | -0.45% | -0.32% | 0.18% | -0.40% | -0.74% | -1.13% | -1.23% | -142 bps | |
| Return on Equity | -3.96% | -2.10% | -1.48% | 0.82% | -1.61% | -3.01% | -4.59% | -5.05% | -587 bps | |
| Net Interest Margin | 2.50% | 2.68% | 2.87% | 3.04% | 2.94% | 2.86% | 2.86% | 2.74% | -30 bps | |
| Efficiency Ratio | 134.00% | 116.67% | 111.52% | 103.52% | 113.21% | 125.00% | 141.61% | 145.64% | +4,212 bps | |
| Non-Interest Burden | 3.35% | 3.13% | 3.18% | 3.13% | 3.32% | 3.57% | 4.06% | 3.99% | +86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.96% | -3.47% | -8.96% | -15.72% | -8.45% | -10.91% | -7.63% | 1.18% | +1,691 bps | |
| Loan Growth (YoY) | -12.78% | -7.89% | -7.43% | -3.90% | 5.01% | 2.04% | 8.88% | 11.05% | +1,495 bps | |
| Deposit Growth (YoY) | 3.68% | -0.19% | -7.80% | -17.65% | -11.22% | -14.23% | -9.86% | 2.74% | +2,039 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.10% | 2.00% | 2.01% | 1.50% | 1.56% | 1.51% | 1.37% | 1.33% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.19% | 21.21% | 22.14% | 23.32% | 23.85% | 23.60% | 24.21% | 23.14% | -18 bps | |
| Total Risk-Based Capital | 55.43% | 55.45% | 56.70% | 56.89% | 50.73% | 50.31% | 44.85% | 43.86% | -1,303 bps | |
| Equity / Assets | 21.58% | 21.58% | 23.30% | 25.37% | 23.87% | 24.28% | 24.81% | 23.80% | -156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.22% | 85.27% | 93.87% | 103.99% | 96.07% | 101.44% | 113.39% | 112.39% | +840 bps | |
| Liquid Assets / Assets | 25.91% | 30.05% | 26.81% | 21.06% | 25.18% | 22.15% | 13.47% | 12.75% | -832 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |