Swisher, IA · Cert 8516
FDIC · 1 branch
Q4 2018
Market Position · Iowa City, IA · 2018 SOD (annual) · 1.1% share · #14 of 20 inst. · $0.0B of $4.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.45% | 0.47% | 0.39% | 0.59% | 0.37% | 0.57% | -4.60% | -499 bps | |
| Return on Equity | 5.81% | 4.54% | 4.68% | 4.01% | 6.57% | 4.11% | 6.38% | -54.76% | -5,877 bps | |
| Net Interest Margin | 2.33% | 2.35% | 2.34% | 2.25% | 2.26% | 2.29% | 2.28% | 2.29% | +4 bps | |
| Efficiency Ratio | 71.52% | 82.21% | 70.28% | 92.21% | 68.54% | 81.31% | 70.40% | 355% | +26,236 bps | |
| Non-Interest Burden | 1.62% | 1.90% | 1.60% | 2.07% | 1.51% | 1.84% | 1.58% | 8.45% | +638 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.63% | 2.90% | 4.25% | 5.85% | 3.82% | 0.61% | 1.43% | -1.88% | -773 bps | |
| Loan Growth (YoY) | -1.87% | -3.39% | -7.03% | -8.96% | -6.16% | -7.18% | -6.20% | -6.12% | +284 bps | |
| Deposit Growth (YoY) | 7.31% | 6.45% | 6.36% | 6.37% | 5.59% | 1.79% | 2.92% | -2.36% | -874 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 | 0.91% | 0.92% | 0.94% | 0.98% | 0.97% | 0.99% | 1.00% | 1.04% | +6 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 | 10.36% | 10.37% | 10.39% | 9.87% | 10.03% | 10.23% | 10.23% | 9.29% | -59 bps | |
| Total Risk-Based Capital | 28.48% | 28.35% | 29.15% | 28.27% | 28.72% | 28.80% | 28.92% | 27.36% | -91 bps | |
| Equity / Assets | 9.92% | 10.11% | 10.08% | 9.20% | 8.89% | 9.04% | 8.74% | 8.06% | -114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.45% | 34.60% | 33.56% | 30.84% | 31.50% | 31.55% | 30.58% | 29.65% | -119 bps | |
| Liquid Assets / Assets | 13.16% | 11.03% | 11.21% | 12.56% | 14.62% | 11.67% | 11.97% | 13.15% | +59 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |