Columbus Junction, IA · Cert 249
FDIC · 1 branch
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 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.
Columbus Junction, IA · Cert 249
FDIC · 1 branch
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.24% | -0.04% | 0.04%1 | 0.09%1 | 0.10%1 | -1.39% | -0.74% | -0.91% | -99 bps | |
| Return on Equity | -16.10% | -0.54% | 0.52% | 1.19% | 1.34% | -18.48% | -9.87% | -11.91% | -1,310 bps | |
| Net Interest Margin | 3.22% | 3.36% | 3.25% | 3.42% | 3.26% | 3.00% | 2.95% | 3.21% | -21 bps | |
| Efficiency Ratio | 84.18% | 99.60% | 101.72% | 99.80% | 98.86% | 105.36% | 103.51% | 112.17% | +1,238 bps | |
| Non-Interest Burden | 2.67% | 3.34% | 3.31% | 3.41% | 3.22% | 3.17% | 3.07% | 3.63% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.20% | -5.72% | -5.72% | -9.81% | 0.07% | -2.92% | -5.91% | -8.09% | +172 bps | |
| Loan Growth (YoY) | -2.92% | -4.90% | -12.87% | -12.69% | -12.53% | -15.39% | -14.28% | -18.65% | -596 bps | |
| Deposit Growth (YoY) | -1.69% | -4.01% | -5.07% | -4.44% | -0.96% | -3.57% | -5.86% | -8.19% | -375 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 | 2.42% | 0.33% | 0.42% | 0.28% | 0.35% | 1.41% | 0.75% | 0.72% | +44 bps | |
| Allowance / Loans | 2.88% | 2.95% | 3.02% | 3.07% | 3.01% | 3.64% | 3.82% | 4.07% | +101 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 | 7.16% | 7.17% | 7.57% | n/a | |
| Total Risk-Based Capital | 13.88% | 14.03% | 14.93% | 15.61% | 15.55% | 14.80% | 15.55% | 14.82% | -79 bps | |
| Equity / Assets | 6.51% | 6.89% | 7.29% | 8.13% | 7.50% | 7.55% | 7.29% | 8.22% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.57% | 54.62% | 51.57% | 55.86% | 49.96% | 47.93% | 46.96% | 49.50% | -636 bps | |
| Liquid Assets / Assets | 0.50% | 0.50% | 0.50% | 0.54% | 0.95% | 1.89% | 1.95% | 2.17% | +163 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |