Ackley, IA · Cert 14936
FDIC · 6 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 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.
Ackley, IA · Cert 14936
FDIC · 6 branches
Q4 2015
Market Position · Ames, IA · 2015 SOD (annual) · 1.3% share · #15 of 19 inst. · $0.0B of $2.2B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.04% | 1.23% | 1.28% | 0.95% | 1.08% | 1.20% | 1.41% | +13 bps | |
| Return on Equity | 10.65% | 9.56% | 10.89% | 11.24% | 7.83% | 8.87% | 9.73% | 11.38% | +14 bps | |
| Net Interest Margin | 3.11% | 3.10% | 3.21% | 3.22% | 3.08% | 3.26% | 3.31% | 3.38% | +16 bps | |
| Efficiency Ratio | 69.72% | 72.62% | 70.19% | 69.10% | 73.19% | 70.93% | 69.59% | 65.57% | -353 bps | |
| Non-Interest Burden | 1.91% | 2.02% | 1.92% | 1.86% | 2.02% | 2.02% | 1.99% | 1.83% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.02% | 3.46% | -1.04% | 3.10% | 1.31% | 0.94% | 1.17% | -3.52% | -662 bps | |
| Loan Growth (YoY) | 8.30% | 2.89% | 1.78% | 5.23% | 3.00% | 7.50% | 9.11% | 2.72% | -250 bps | |
| Deposit Growth (YoY) | 2.73% | 6.58% | -0.60% | 2.40% | -0.90% | -5.35% | -5.73% | -9.73% | -1,213 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 | 0.14% | 0.14% | 0.32% | 0.22% | 0.00% | 0.00% | -0.36% | -0.27% | -49 bps | |
| Allowance / Loans | 1.30% | 1.26% | 1.11% | 1.06% | 1.10% | 1.07% | 1.35% | 1.34% | +28 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 | 10.75% | 10.60% | 10.74% | 11.15% | n/a | |
| Total Risk-Based Capital | 11.41% | 11.28% | 12.57% | 12.09% | 13.34% | 12.04% | 12.60% | 12.91% | +82 bps | |
| Equity / Assets | 11.02% | 11.02% | 12.45% | 11.90% | 12.40% | 12.15% | 12.75% | 12.95% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.78% | 79.25% | 82.75% | 82.74% | 83.97% | 90.01% | 95.77% | 94.15% | +1,142 bps | |
| Liquid Assets / Assets | 3.93% | 3.58% | 2.61% | 4.30% | 2.70% | 2.67% | 2.17% | 2.16% | -214 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |