Brooklyn, IA · Cert 14783
FDIC · 3 branches
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -0.96% | 0.65%1 | 0.30%1 | 0.21%1 | 0.15%1 | -0.11% | 0.12% | -18 bps | |
| Return on Equity | -6.60% | -15.82% | 12.48% | 6.26% | 4.76% | 3.52% | -3.07% | 2.95% | -331 bps | |
| Net Interest Margin | 2.97% | 2.80% | 2.86% | 2.86% | 3.03% | 3.34% | 2.70% | 2.69% | -17 bps | |
| Efficiency Ratio | 112.37% | 133.86% | 106.90% | 104.53% | 103.40% | 102.97% | 103.74% | 96.53% | -800 bps | |
| Non-Interest Burden | 3.43% | 3.80% | 3.12% | 3.03% | 3.16% | 3.45% | 2.83% | 2.56% | -47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.84% | 1.43% | -2.77% | -5.48% | -6.28% | -9.50% | -3.83% | -4.59% | +90 bps | |
| Loan Growth (YoY) | -18.87% | -4.01% | -1.35% | -3.06% | -1.98% | -10.52% | -7.42% | -8.78% | -572 bps | |
| Deposit Growth (YoY) | -2.27% | 2.43% | -1.53% | -4.63% | -3.63% | -7.45% | -3.27% | -4.74% | -11 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 | 0.29% | 0.21% | 0.27% | 0.13% | 0.08% | -0.55% | 0.00% | 0.00% | -13 bps | |
| Allowance / Loans | 2.74% | 2.69% | 2.86% | 2.74% | 2.74% | 3.55% | 3.74% | 3.63% | +89 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 | 11.02% | 9.50% | 10.58% | 10.40% | 10.65% | 10.52% | 10.22% | 12.46% | +205 bps | |
| Equity / Assets | 6.62% | 5.24% | 5.11% | 3.76% | 3.73% | 3.38% | 4.06% | 4.73% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.15% | 42.31% | 41.47% | 44.89% | 46.94% | 40.91% | 39.69% | 42.99% | -190 bps | |
| Liquid Assets / Assets | 5.16% | 7.79% | 11.18% | 6.03% | 3.07% | 3.77% | 3.80% | 3.95% | -207 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |