Charles City, IA · Cert 5818
FDIC · 1 branch
Q2 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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.98% | 1.95% | 1.87% | 1.92% | 2.03% | 2.06% | 1.72% | 1.31% | -61 bps | |
| Return on Equity | 19.36% | 19.02% | 18.08% | 18.30% | 19.25% | 19.51% | 16.43% | 12.59% | -572 bps | |
| Net Interest Margin | 4.13% | 4.05% | 4.18% | 4.10% | 4.13% | 4.02% | 3.83% | 3.98% | -13 bps | |
| Efficiency Ratio | 48.98% | 49.18% | 49.61% | 49.94% | 48.44% | 48.14% | 54.13% | 60.42% | +1,048 bps | |
| Non-Interest Burden | 1.89% | 1.88% | 1.99% | 1.97% | 1.91% | 1.85% | 2.01% | 2.35% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.17% | 7.05% | 8.26% | 5.78% | 5.99% | 7.58% | 6.49% | 9.23% | +345 bps | |
| Loan Growth (YoY) | 10.44% | 6.24% | 8.55% | 4.00% | 6.31% | 6.38% | 0.80% | 10.44% | +644 bps | |
| Deposit Growth (YoY) | 3.01% | 7.40% | 2.13% | 2.15% | 1.49% | 7.55% | 12.55% | 2.85% | +69 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.28% | 0.13% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | -0.01% | 0.12% | +13 bps | |
| Allowance / Loans | 1.12% | 1.17% | 1.16% | 1.23% | 1.16% | 1.16% | 1.17% | 1.16% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 53.7x | n/a | n/a | 4.2x | 8.9x | 19.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.59% | 10.41% | 10.77% | 10.80% | 11.06% | 10.89% | 10.38% | 10.67% | -14 bps | |
| Total Risk-Based Capital | 12.52% | 13.11% | 12.74% | 13.47% | 13.08% | 13.22% | 13.15% | 12.75% | -72 bps | |
| Equity / Assets | 10.20% | 10.38% | 10.31% | 10.84% | 10.63% | 10.75% | 10.21% | 10.26% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 123.14% | 120.25% | 124.71% | 120.36% | 128.98% | 118.94% | 111.69% | 129.26% | +889 bps | |
| Liquid Assets / Assets | 3.22% | 3.15% | 3.65% | 4.78% | 3.88% | 2.47% | 9.16% | 3.23% | -155 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |