Alton, IA · Cert 14498
FDIC · 2 branches
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.59% | 0.16% | 0.81% | 0.86% | 0.60% | 0.06% | 0.72% | -10 bps | |
| Return on Equity | 9.82% | 6.15% | 1.75% | 8.25% | 8.34% | 5.93% | 0.56% | 6.90% | -135 bps | |
| Net Interest Margin | 3.89% | 3.57% | 3.14% | 3.44% | 3.65% | 3.65% | 3.51% | 3.43% | -1 bps | |
| Efficiency Ratio | 78.53% | 89.33% | 95.15% | 83.61% | 81.48% | 86.65% | 98.29% | 81.31% | -230 bps | |
| Non-Interest Burden | 2.91% | 3.13% | 2.96% | 2.77% | 2.84% | 3.08% | 3.42% | 2.67% | -11 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 | -0.04% | 0.00% | 0.00% | -0.07% | 0.00% | 0.07% | 0.75% | -0.04% | +3 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 |