Coggon, IA · Cert 16311
FDIC · 2 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Coggon, IA · Cert 16311
FDIC · 2 branches
Q1 2016
Market Position · Cedar Rapids, IA · 2015 SOD (annual) · 0.5% share · #34 of 41 inst. · $0.0B of $5.5B
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.09% | 0.77% | 1.29% | 1.03% | 0.83% | 0.92% | 1.09% | -19 bps | |
| Return on Equity | 6.90% | 7.26% | 5.24% | 9.66% | 7.79% | 6.29% | 6.98% | 8.26% | -140 bps | |
| Net Interest Margin | 4.55% | 4.42% | 4.15% | 4.66% | 4.29% | 4.23% | 4.20% | 3.78% | -88 bps | |
| Efficiency Ratio | 67.20% | 65.84% | 68.90% | 50.10% | 56.52% | 64.83% | 63.34% | 71.16% | +2,106 bps | |
| Non-Interest Burden | 2.90% | 2.74% | 2.72% | 1.76% | 2.04% | 2.49% | 2.41% | 2.49% | +73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.77% | 15.19% | 17.45% | 20.35% | 15.82% | 8.05% | 0.80% | -4.60% | -2,495 bps | |
| Loan Growth (YoY) | 19.78% | 26.87% | 28.60% | 28.23% | 21.44% | 4.24% | -8.89% | -14.50% | -4,272 bps | |
| Deposit Growth (YoY) | 1.01% | 1.77% | 8.85% | 20.07% | 14.65% | 18.28% | 7.67% | -0.86% | -2,093 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 | 0.39% | 0.24% | 0.19% | 0.69% | 0.35% | 0.24% | 0.19% | 0.00% | -69 bps | |
| Allowance / Loans | 0.53% | 0.51% | 0.89% | 0.94% | 1.08% | 1.15% | 1.21% | 1.25% | +31 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 | 9.16% | 9.05% | 8.78% | 8.94% | 9.42% | +26 bps | |
| Total Risk-Based Capital | 15.41% | 14.40% | 13.72% | 13.84% | 14.19% | 14.36% | 15.37% | 15.98% | +214 bps | |
| Equity / Assets | 15.08% | 14.30% | 13.47% | 13.15% | 13.18% | 13.14% | 13.02% | 13.48% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.71% | 115.22% | 115.48% | 109.84% | 106.67% | 101.54% | 97.72% | 94.73% | -1,511 bps | |
| Liquid Assets / Assets | 5.33% | 5.01% | 4.12% | 6.35% | 6.02% | 9.71% | 13.69% | 14.62% | +827 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |