Ida Grove, IA · Cert 8500
FDIC · 5 branches
Q4 2021
Market Position · Sioux City, IA-NE-SD · 2021 SOD (annual) · 0.4% share · #31 of 31 inst. · $0.0B of $4.4B
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 | 2.14% | 1.91% | 1.62% | 0.43% | 1.93% | 3.07% | 1.63% | 0.49% | +6 bps | |
| Return on Equity | 18.04% | 16.22% | 13.42% | 3.49% | 16.30% | 25.63% | 13.38% | 4.02% | +53 bps | |
| Net Interest Margin | 3.55% | 3.54% | 3.43% | 3.31% | 3.26% | 4.70% | 3.44% | 3.25% | -6 bps | |
| Efficiency Ratio | 42.31% | 48.92% | 53.82% | 84.60% | 39.65% | 32.66% | 50.22% | 63.45% | -2,115 bps | |
| Non-Interest Burden | 1.36% | 1.44% | 1.63% | 2.77% | 1.23% | 1.46% | 1.69% | 1.99% | -78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.02% | 4.41% | 3.45% | 6.92% | 11.58% | 2.59% | 10.51% | 4.29% | -263 bps | |
| Loan Growth (YoY) | 2.16% | 2.46% | 0.32% | -3.55% | -4.70% | 1.40% | 4.93% | 10.57% | +1,412 bps | |
| Deposit Growth (YoY) | 5.93% | 11.94% | 6.43% | 8.74% | 12.63% | 2.01% | 11.00% | 4.12% | -462 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.02% | 0.02% | 0.02% | 0.02% | 0.61% | 0.15% | 0.08% | +6 bps | |
| Net Charge-Offs / Loans | 1.07% | 0.22% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.08% | +6 bps | |
| Allowance / Loans | 0.86% | 0.82% | 0.87% | 0.92% | 0.91% | 0.85% | 0.85% | 1.05% | +13 bps | |
| Allowance Coverage of NPLs | 13.0x | 37.6x | 38.6x | 57.1x | 57.1x | 1.4x | 5.8x | 13.6x | -43.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.84% | 11.73% | 11.77% | 11.46% | 11.64% | 11.88% | 12.09% | 11.64% | +18 bps | |
| Total Risk-Based Capital | 11.84% | 11.73% | 11.77% | 11.46% | 11.64% | 11.88% | 12.09% | 11.64% | +18 bps | |
| Equity / Assets | 11.65% | 11.86% | 12.25% | 12.20% | 11.49% | 12.46% | 11.91% | 12.41% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.76% | 85.14% | 83.37% | 80.26% | 75.94% | 84.63% | 78.81% | 85.24% | +498 bps | |
| Liquid Assets / Assets | 0.69% | 4.20% | 2.07% | 3.25% | 8.59% | 1.65% | 4.47% | 2.15% | -109 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |