West Des Moines, IA · Cert 4516
FDIC · 3 branches
Q2 2014
Market Position · Des Moines-West Des Moines, IA · 2014 SOD (annual) · 0.5% share · #32 of 49 inst. · $0.1B of $15.0B
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | -0.07% | -0.98% | -0.92% | -0.44% | -0.11% | -0.81% | -1.41% | -49 bps | |
| Return on Equity | 5.15% | -1.44% | -21.17% | -20.83% | -10.11% | -2.57% | -18.05% | -31.38% | -1,055 bps | |
| Net Interest Margin | 3.87% | 3.81% | 3.38% | 3.24% | 3.17% | 3.23% | 3.23% | 3.01% | -24 bps | |
| Efficiency Ratio | 93.07% | 106.34% | 132.29% | 130.98% | 120.26% | 119.50% | 124.59% | 116.50% | -1,448 bps | |
| Non-Interest Burden | 3.56% | 4.06% | 4.63% | 4.29% | 3.89% | 3.93% | 4.10% | 3.60% | -70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.27% | 0.17% | 0.22% | -1.55% | -3.04% | -8.42% | -4.10% | -7.06% | -551 bps | |
| Loan Growth (YoY) | -13.88% | -12.35% | -6.88% | -8.34% | -10.80% | -11.91% | -12.87% | -15.65% | -731 bps | |
| Deposit Growth (YoY) | -9.88% | -0.22% | 1.40% | 0.08% | 2.81% | -7.90% | -6.13% | -9.44% | -952 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 | 2.50% | 2.30% | -0.62% | -0.16% | -0.38% | -0.03% | -0.28% | -0.15% | +1 bps | |
| Allowance / Loans | 3.28% | 3.21% | 3.28% | 3.25% | 3.42% | 2.72% | 2.75% | 2.88% | -37 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 | 9.27% | 8.98% | 8.61% | 8.52% | 9.40% | 10.35% | 10.07% | 10.02% | +150 bps | |
| Equity / Assets | 5.50% | 4.81% | 4.49% | 3.93% | 4.16% | 4.58% | 4.37% | 4.48% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.77% | 64.66% | 65.31% | 64.95% | 62.27% | 61.84% | 60.63% | 60.50% | -445 bps | |
| Liquid Assets / Assets | 0.04% | 0.37% | 2.67% | 1.52% | 6.73% | 6.01% | 16.55% | 23.99% | +2,246 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |