Tripoli, IA · Cert 9104
FDIC · 1 branch
Q3 2021
Market Position · Waterloo-Cedar Falls, IA · 2021 SOD (annual) · 1.0% share · #18 of 24 inst. · $0.0B of $4.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.44% | 1.11% | 1.43% | 1.24% | 1.60% | 2.04% | 1.32% | -11 bps | |
| Return on Equity | 5.73% | 7.04% | 5.47% | 7.09% | 6.26% | 8.24% | 10.54% | 6.68% | -41 bps | |
| Net Interest Margin | 2.87% | 3.04% | 2.72% | 3.13% | 2.79% | 3.13% | 3.58% | 2.80% | -34 bps | |
| Efficiency Ratio | 59.24% | 52.09% | 54.52% | 50.34% | 52.46% | 48.47% | 42.26% | 53.01% | +267 bps | |
| Non-Interest Burden | 1.61% | 1.52% | 1.42% | 1.51% | 1.42% | 1.46% | 1.45% | 1.43% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.17% | 4.77% | 9.15% | 8.43% | 9.90% | 9.65% | 6.26% | 2.03% | -640 bps | |
| Loan Growth (YoY) | 8.74% | 3.55% | 1.43% | 1.16% | 2.73% | 9.30% | 11.64% | 3.94% | +278 bps | |
| Deposit Growth (YoY) | 3.92% | 5.45% | 10.64% | 9.73% | 11.18% | 11.27% | 7.43% | 2.28% | -746 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.59% | 2.67% | 1.12% | 0.10% | 0.00% | 0.00% | 0.00% | 0.00% | -10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.12% | 1.12% | 1.20% | 1.20% | 1.24% | 1.18% | 1.18% | 1.21% | +1 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.4x | 1.1x | 11.6x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.97% | 20.35% | 19.74% | 19.51% | 18.64% | 18.74% | 18.68% | 18.94% | -57 bps | |
| Total Risk-Based Capital | 29.25% | 20.35% | 19.74% | 19.51% | 18.64% | 18.74% | 18.68% | 18.94% | -57 bps | |
| Equity / Assets | 20.50% | 20.28% | 20.30% | 20.02% | 19.61% | 19.15% | 19.49% | 19.88% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.37% | 64.23% | 61.02% | 62.19% | 60.40% | 63.09% | 63.41% | 63.20% | +101 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |