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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.47% | 0.95% | 1.21% | 1.43% | 2.09% | +62 bps | |
| Return on Equity | 12.08% | 7.83% | 9.88% | 11.50% | 16.25% | +417 bps | |
| Net Interest Margin | 3.30% | 3.08% | 3.35% | 3.42% | 3.52% | +23 bps | |
| Efficiency Ratio | 66.08% | 73.19% | 68.81% | 67.10% | 54.72% | -1,136 bps | |
| Non-Interest Burden | 1.72% | 2.02% | 1.98% | 1.93% | 1.32% | -40 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.10% | 1.31% | 0.94% | 1.17% | -3.52% | -662 bps | |
| Loan Growth (YoY) | 5.23% | 3.00% | 7.50% | 9.11% | 2.72% | -250 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -1.09% | 0.01% | +1 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | 10.75% | 10.60% | 10.74% | 11.15% | n/a | |
| Total Risk-Based Capital | 12.09% | 13.34% | 12.04% | 12.60% | 12.91% | +82 bps | |
| Equity / Assets | 11.90% | 12.40% | 12.15% | 12.75% | 12.95% | +104 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.74% | 83.97% | 90.01% | 95.77% | 94.15% | +1,142 bps | |
| Liquid Assets / Assets | 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 |