Alton, IA · Cert 14498
FDIC · 2 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Alton, IA · Cert 14498
FDIC · 2 branches
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.90% | 0.16% | 0.48% | 0.60% | 0.60% | 0.06% | 0.38% | -10 bps | |
| Return on Equity | 10.73% | 9.61% | 1.75% | 5.01% | 6.14% | 6.08% | 0.56% | 3.74% | -127 bps | |
| Net Interest Margin | 3.83% | 3.73% | 3.14% | 3.36% | 3.43% | 3.48% | 3.51% | 3.47% | +10 bps | |
| Efficiency Ratio | 78.67% | 81.24% | 95.15% | 89.18% | 86.40% | 86.46% | 98.29% | 89.78% | +61 bps | |
| Non-Interest Burden | 2.89% | 2.92% | 2.96% | 2.94% | 2.87% | 2.92% | 3.42% | 3.04% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.56% | -6.20% | -0.30% | -6.98% | -2.65% | -4.28% | -4.98% | 0.47% | +745 bps | |
| Loan Growth (YoY) | 8.06% | -7.37% | -12.41% | -16.09% | -12.31% | -4.69% | -7.91% | -10.85% | +524 bps | |
| Deposit Growth (YoY) | -0.84% | -7.16% | -0.30% | -5.86% | -2.96% | -6.27% | -5.99% | 1.08% | +695 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% | -0.03% | -0.02% | 0.00% | 0.75% | 0.36% | +39 bps | |
| Allowance / Loans | 1.28% | 1.40% | 1.56% | 1.54% | 1.48% | 1.47% | 1.50% | 1.53% | -1 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 | 9.61% | 9.77% | n/a | |
| Total Risk-Based Capital | 13.60% | 13.41% | 14.51% | 14.67% | 14.38% | 14.57% | 15.94% | 15.96% | +129 bps | |
| Equity / Assets | 9.94% | 9.31% | 9.36% | 10.40% | 10.27% | 10.10% | 10.37% | 10.41% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.95% | 64.43% | 58.05% | 65.78% | 66.82% | 65.52% | 56.86% | 58.01% | -777 bps | |
| Liquid Assets / Assets | 7.46% | 12.18% | 15.11% | 9.92% | 9.68% | 7.94% | 15.19% | 16.53% | +661 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |