Buffalo, IA · Cert 219
FDIC · 1 branch
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Buffalo, IA · Cert 219
FDIC · 1 branch
Q2 2014
Market Position · Davenport-Moline-Rock Island, IA-IL · 2014 SOD (annual) · 0.4% share · #33 of 39 inst. · $0.0B of $7.9B
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.29% | 0.17% | -0.19% | -0.92% | -101 bps | |
| Return on Equity | 0.98% | 3.24% | 1.90% | -2.29% | -10.74% | -1,171 bps | |
| Net Interest Margin | 2.76% | 2.87% | 2.95% | 2.92% | 2.92% | +16 bps | |
| Efficiency Ratio | 96.87% | 90.62% | 94.62% | 106.75% | 132.55% | +3,568 bps | |
| Non-Interest Burden | 2.67% | 2.58% | 2.78% | 3.12% | 3.84% | +117 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.47% | -3.82% | -4.76% | -3.66% | -2.81% | +366 bps | |
| Loan Growth (YoY) | 1.18% | -3.19% | -3.43% | 0.84% | -9.17% | -1,035 bps | |
| Deposit Growth (YoY) | -4.89% | -2.16% | -3.38% | -2.90% | -3.84% | +105 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% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.03% | 2.08% | 2.06% | 2.14% | 2.24% | +21 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 | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 20.11% | 21.01% | 20.69% | 21.02% | 21.00% | +89 bps | |
| Equity / Assets | 8.00% | 8.59% | 8.18% | 8.70% | 8.84% | +84 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.14% | 51.43% | 51.06% | 49.05% | 47.36% | -278 bps | |
| Liquid Assets / Assets | 8.30% | 9.98% | 7.73% | 8.58% | 10.25% | +195 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |