Independence, IA · Cert 29427
FDIC
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.59% | -1.35% | -1.29% | -1.02% | -1.84% | -1.61% | -1.21% | -1.57% | -54 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -22.23% | -19.75% | -15.39% | -20.29% | n/a | |
| Net Interest Margin | 0.83% | 1.07% | 1.41% | 1.50% | 1.25% | 1.41% | 1.48% | 1.37% | -13 bps | |
| Efficiency Ratio | 352% | 324% | 215% | 191.50% | 237% | 209% | 177.73% | 210% | +1,890 bps | |
| Non-Interest Burden | 3.06% | 2.95% | 2.85% | 2.77% | 2.99% | 2.99% | 2.67% | 2.94% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.52% | -3.01% | -4.78% | -3.89% | -14.42% | -10.05% | -7.00% | -6.01% | -212 bps | |
| Loan Growth (YoY) | -5.84% | -7.06% | -10.37% | -11.24% | -12.41% | -11.02% | -1.74% | 1.39% | +1,263 bps | |
| Deposit Growth (YoY) | 4.03% | -2.14% | -6.38% | -7.84% | -4.05% | -0.79% | 5.81% | 3.23% | +1,107 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.14% | 0.09% | 0.07% | +7 bps | |
| Allowance / Loans | 1.32% | 1.36% | 1.42% | 1.49% | 1.50% | 1.46% | 1.38% | 1.41% | -9 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 | 21.70% | 23.24% | 21.74% | 22.30% | 23.05% | 22.78% | 21.08% | 20.40% | -189 bps | |
| Equity / Assets | 8.50% | 8.71% | 8.57% | 8.40% | 8.12% | 7.99% | 7.02% | 7.03% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.87% | 63.19% | 63.29% | 59.78% | 57.39% | 56.68% | 58.77% | 58.71% | -107 bps | |
| Liquid Assets / Assets | 3.03% | 1.27% | 0.64% | 1.82% | 2.41% | 2.42% | 1.76% | 0.37% | -145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |