Cedar Rapids, IA · Cert 57484
FDIC · 3 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 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.
Cedar Rapids, IA · Cert 57484
FDIC · 3 branches
Q4 2015
Market Position · Cedar Rapids, IA · 2015 SOD (annual) · 5.8% share · #6 of 41 inst. · $0.3B of $5.5B
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.83% | 0.88% | 0.90% | 0.91% | 0.99% | 1.03% | 1.06% | +15 bps | |
| Return on Equity | 8.04% | 8.58% | 8.93% | 9.14% | 9.25% | 10.04% | 10.34% | 10.56% | +142 bps | |
| Net Interest Margin | 3.10% | 3.02% | 3.05% | 3.08% | 3.21% | 3.19% | 3.24% | 3.22% | +15 bps | |
| Efficiency Ratio | 62.63% | 61.03% | 60.29% | 59.50% | 59.85% | 58.13% | 57.44% | 56.80% | -270 bps | |
| Non-Interest Burden | 1.73% | 1.63% | 1.61% | 1.61% | 1.71% | 1.61% | 1.60% | 1.58% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.78% | 5.52% | -1.86% | 4.05% | 10.78% | 6.84% | 9.31% | 8.00% | +395 bps | |
| Loan Growth (YoY) | 2.34% | 3.57% | -1.18% | 7.38% | 11.91% | 13.07% | 12.60% | 11.04% | +366 bps | |
| Deposit Growth (YoY) | 3.67% | 4.26% | -7.69% | -5.96% | 0.49% | 2.22% | 1.43% | 1.59% | +756 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 | -0.77% | -0.41% | -0.26% | -0.19% | 0.00% | 0.00% | 0.00% | 0.00% | +19 bps | |
| Allowance / Loans | 2.06% | 2.06% | 2.11% | 2.04% | 1.94% | 1.90% | 1.96% | 1.91% | -13 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 | 10.03% | 9.89% | 10.03% | 10.00% | n/a | |
| Total Risk-Based Capital | 12.63% | 12.53% | 13.24% | 12.66% | 11.96% | 11.76% | 12.16% | 11.86% | -80 bps | |
| Equity / Assets | 9.84% | 9.70% | 10.27% | 10.07% | 9.68% | 9.86% | 10.28% | 10.17% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 126.46% | 124.71% | 132.19% | 137.27% | 140.83% | 137.95% | 146.76% | 150.02% | +1,276 bps | |
| Liquid Assets / Assets | 1.77% | 2.56% | 1.23% | 0.96% | 2.30% | 0.47% | 0.91% | 1.08% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |