Coralville, IA · Cert 10491
FDIC
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Coralville, IA · Cert 10491
FDIC
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.22% | 0.37% | 0.37% | 0.39%1 | -0.52% | 0.06% | 0.15% | -22 bps | |
| Return on Equity | 0.16% | 1.95% | 3.13% | 3.08% | 3.18% | -4.32% | 0.51% | 1.20% | -187 bps | |
| Net Interest Margin | 3.34% | 3.27% | 3.18% | 3.13% | 3.16% | 3.12% | 2.90% | 2.96% | -17 bps | |
| Efficiency Ratio | 103.93% | 94.98% | 89.06% | 88.96% | 98.89% | 136.05% | 101.63% | 98.83% | +986 bps | |
| Non-Interest Burden | 3.47% | 3.09% | 2.76% | 2.72% | 3.12% | 4.45% | 2.96% | 2.91% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.10% | -3.71% | -3.69% | -2.52% | -3.10% | -4.71% | -5.81% | -7.96% | -544 bps | |
| Loan Growth (YoY) | -11.09% | -11.12% | -8.18% | -2.40% | -4.21% | -3.54% | -12.71% | -12.37% | -997 bps | |
| Deposit Growth (YoY) | -1.96% | -3.41% | -5.02% | -3.24% | 1.13% | 0.96% | 0.75% | -2.02% | +122 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 | 0.04% | 0.21% | 2.54% | 1.35% | 1.10% | 1.00% | -0.02% | -0.02% | -137 bps | |
| Allowance / Loans | 2.48% | 2.33% | 1.67% | 1.71% | 1.68% | 1.55% | 1.71% | 1.79% | +8 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.75% | 18.81% | 18.54% | 18.71% | 19.81% | 17.38% | 18.30% | 18.62% | -10 bps | |
| Equity / Assets | 11.98% | 11.52% | 12.09% | 12.28% | 12.70% | 11.89% | 12.61% | 12.53% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.63% | 64.46% | 70.89% | 68.95% | 65.96% | 61.58% | 61.42% | 61.67% | -729 bps | |
| Liquid Assets / Assets | 1.36% | 0.40% | 0.45% | 0.42% | 0.39% | 1.20% | 0.48% | 0.61% | +19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |