Fort Dodge, IA · Cert 26720
FDIC · 3 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 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.
Fort Dodge, IA · Cert 26720
FDIC · 3 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 | 1.41% | 1.10% | 1.16% | 1.19% | 1.17% | 1.09% | 1.16% | 1.20% | +1 bps | |
| Return on Equity | 13.06% | 10.34% | 10.92% | 11.13% | 10.95% | 10.21% | 10.65% | 10.91% | -22 bps | |
| Net Interest Margin | 3.55% | 3.48% | 3.41% | 3.47% | 3.38% | 3.29% | 3.31% | 3.41% | -6 bps | |
| Efficiency Ratio | 51.70% | 56.46% | 57.31% | 57.17% | 57.91% | 60.53% | 57.78% | 56.23% | -94 bps | |
| Non-Interest Burden | 1.67% | 1.88% | 1.84% | 1.86% | 1.84% | 1.90% | 1.79% | 1.79% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.98% | 10.26% | 4.58% | 3.54% | 0.96% | 3.24% | 2.74% | 1.22% | -233 bps | |
| Loan Growth (YoY) | 1.67% | 3.26% | 11.39% | 6.83% | 2.00% | 5.93% | 2.03% | 6.81% | -2 bps | |
| Deposit Growth (YoY) | 10.52% | 11.20% | 5.49% | 4.24% | 9.57% | 3.26% | 1.89% | -0.20% | -444 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 | -0.02% | -0.01% | 0.02% | 0.11% | 0.08% | -0.01% | -0.02% | -0.02% | -13 bps | |
| Allowance / Loans | 1.78% | 1.97% | 1.89% | 1.83% | 1.67% | 1.78% | 1.78% | 1.73% | -11 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 | 14.95% | 16.53% | 15.97% | 16.01% | 15.10% | 15.98% | 16.22% | 16.16% | +14 bps | |
| Equity / Assets | 10.57% | 10.67% | 10.68% | 10.77% | 10.66% | 10.63% | 11.36% | 11.44% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.03% | 64.02% | 68.89% | 66.71% | 72.64% | 65.67% | 68.99% | 71.40% | +469 bps | |
| Liquid Assets / Assets | 2.36% | 8.38% | 3.33% | 4.48% | 2.17% | 7.12% | 2.39% | 0.67% | -381 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |