Muscatine, IA · Cert 961
FDIC · 3 branches
Q1 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.93% | 0.87% | 0.60% | 0.84% | 0.94% | 1.51% | -0.10% | -70 bps | |
| Return on Equity | 9.08% | 8.53% | 8.05% | 5.75% | 8.08% | 8.81% | 14.04% | -0.93% | -668 bps | |
| Net Interest Margin | 2.71% | 2.64% | 2.64% | 2.36% | 2.52% | 2.92% | 2.60% | 2.47% | +11 bps | |
| Efficiency Ratio | 58.91% | 60.67% | 60.25% | 66.68% | 62.21% | 63.99% | 66.03% | 104.36% | +3,768 bps | |
| Non-Interest Burden | 1.06% | 1.09% | 1.12% | 1.25% | 1.23% | 1.56% | 1.44% | 2.61% | +136 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.94% | 14.29% | 9.66% | 20.63% | 7.32% | 2.57% | 4.34% | -1.05% | -2,167 bps | |
| Loan Growth (YoY) | -0.78% | -1.20% | -8.30% | -6.42% | -14.77% | -16.89% | -10.78% | -10.87% | -444 bps | |
| Deposit Growth (YoY) | 12.03% | 16.76% | 11.29% | 23.82% | 7.72% | 2.97% | 5.10% | -1.37% | -2,519 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.20% | 2.16% | 2.41% | 2.42% | 2.46% | 2.57% | 1.85% | 1.43% | -98 bps | |
| Net Charge-Offs / Loans | 0.42% | 0.01% | 0.02% | -0.04% | 0.23% | -0.02% | 0.65% | -0.08% | -4 bps | |
| Allowance / Loans | 1.44% | 1.57% | 1.90% | 2.04% | 2.20% | 2.32% | 1.88% | 1.89% | -14 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.8x | 0.8x | 0.9x | 0.9x | 1.0x | 1.3x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.04% | 10.93% | 10.59% | 10.47% | 10.13% | 10.82% | 10.87% | 10.86% | +39 bps | |
| Total Risk-Based Capital | 18.37% | 18.49% | 19.30% | 20.18% | 20.75% | 21.35% | 21.86% | 21.45% | +127 bps | |
| Equity / Assets | 10.95% | 10.75% | 10.77% | 10.18% | 10.48% | 10.84% | 10.64% | 10.50% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.96% | 81.87% | 73.22% | 68.31% | 66.43% | 66.08% | 62.16% | 61.73% | -658 bps | |
| Liquid Assets / Assets | 18.70% | 21.71% | 29.18% | 27.82% | 16.94% | 12.63% | 14.62% | 39.46% | +1,165 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |