Nevada, IA · Cert 34249
FDIC · 2 branches
Q3 2018
Market Position · Ames, IA · 2018 SOD (annual) · 5.4% share · #9 of 20 inst. · $0.1B of $2.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.45% | 0.90% | 1.23% | 1.39% | 1.42% | -3 bps | |
| Return on Equity | 14.43% | 8.70% | 11.89% | 13.29% | 13.05% | -138 bps | |
| Net Interest Margin | 3.50% | 3.47% | 3.40% | 3.51% | 3.53% | +3 bps | |
| Efficiency Ratio | 36.16% | 37.96% | 40.58% | 37.83% | 37.22% | +106 bps | |
| Non-Interest Burden | 1.20% | 1.28% | 1.35% | 1.30% | 1.27% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.25% | 4.23% | 8.01% | 5.68% | 2.45% | -480 bps | |
| Loan Growth (YoY) | 6.38% | 1.44% | 4.09% | 1.90% | 3.66% | -272 bps | |
| Deposit Growth (YoY) | 7.17% | 2.30% | 5.85% | 6.34% | 2.32% | -485 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.08% | 0.03% | 0.08% | 0.48% | 0.39% | +31 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.23% | 1.26% | 1.28% | 1.37% | 1.41% | +18 bps | |
| Allowance Coverage of NPLs | 15.5x | 46.9x | 16.4x | 2.9x | 3.6x | -11.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.22% | 10.23% | 10.70% | 10.62% | 11.09% | +87 bps | |
| Total Risk-Based Capital | 13.39% | 13.84% | 13.25% | 13.94% | 14.19% | +81 bps | |
| Equity / Assets | 10.15% | 10.44% | 10.18% | 10.67% | 11.13% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 113.59% | 113.19% | 111.61% | 110.76% | 115.09% | +149 bps | |
| Liquid Assets / Assets | 1.89% | 0.42% | 4.49% | 7.26% | 3.20% | +131 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |