Pleasantville, IA · Cert 1861
FDIC · 2 branches
Q3 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.90% | 0.89% | 0.88% | 0.83% | 0.46% | 0.50% | -0.92% | -180 bps | |
| Return on Equity | 6.31% | 6.33% | 6.23% | 6.11% | 5.75% | 3.50% | 3.91% | -7.44% | -1,354 bps | |
| Net Interest Margin | 2.69% | 2.52% | 2.51% | 2.51% | 2.52% | 1.78% | 2.11% | 2.23% | -28 bps | |
| Efficiency Ratio | 59.35% | 59.93% | 59.21% | 58.67% | 60.61% | 67.15% | 70.85% | 168.67% | +11,000 bps | |
| Non-Interest Burden | 1.45% | 1.38% | 1.37% | 1.35% | 1.40% | 1.09% | 1.39% | 4.02% | +267 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.60% | 1.51% | 0.38% | -0.72% | -0.25% | -1.42% | -0.44% | -2.73% | -201 bps | |
| Loan Growth (YoY) | 6.55% | 3.45% | -1.40% | -1.31% | -0.38% | 4.75% | 3.81% | 1.97% | +328 bps | |
| Deposit Growth (YoY) | 3.22% | 1.63% | 1.00% | -0.40% | -0.20% | 1.60% | 2.09% | -0.46% | -6 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 | 0.28% | 0.21% | 0.09% | 0.13% | 0.28% | 0.00% | -0.34% | -0.22% | -36 bps | |
| Allowance / Loans | 1.67% | 1.86% | 2.05% | 2.01% | 1.69% | 1.85% | 2.21% | 1.96% | -5 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 | 30.80% | 31.05% | 35.26% | 34.05% | 32.14% | 27.33% | 30.10% | 27.10% | -694 bps | |
| Equity / Assets | 14.27% | 14.32% | 14.19% | 14.70% | 14.31% | 11.72% | 12.05% | 11.57% | -313 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.02% | 31.40% | 30.32% | 32.72% | 34.95% | 32.38% | 30.82% | 33.52% | +80 bps | |
| Liquid Assets / Assets | 11.73% | 14.83% | 19.92% | 14.19% | 13.58% | 13.35% | 18.91% | 13.16% | -103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |