Eagle Grove, IA · Cert 5795
FDIC · 4 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 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.
Eagle Grove, IA · Cert 5795
FDIC · 4 branches
Q4 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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.29% | 1.35% | 1.31% | 1.34% | 1.29% | 1.35% | 1.31% | 0 bps | |
| Return on Equity | 12.85% | 13.58% | 14.07% | 13.49% | 12.88% | 12.21% | 12.55% | 12.10% | -139 bps | |
| Net Interest Margin | 3.08% | 3.19% | 2.97% | 3.30% | 3.38% | 3.36% | 3.57% | 3.54% | +24 bps | |
| Efficiency Ratio | 59.55% | 58.11% | 57.21% | 58.19% | 59.09% | 60.61% | 59.94% | 61.03% | +284 bps | |
| Non-Interest Burden | 1.72% | 1.74% | 1.59% | 1.81% | 1.88% | 1.94% | 2.03% | 2.06% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.61% | -0.38% | -4.74% | -7.86% | -9.09% | -6.28% | -7.50% | -1.84% | +602 bps | |
| Loan Growth (YoY) | 1.85% | 3.95% | 10.00% | 11.94% | 4.13% | 5.85% | 0.81% | -12.18% | -2,411 bps | |
| Deposit Growth (YoY) | 5.45% | -0.87% | -5.72% | -9.43% | -11.00% | -8.25% | -11.07% | -3.06% | +637 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 | -0.03% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.11% | +11 bps | |
| Allowance / Loans | 1.49% | 1.46% | 1.44% | 1.42% | 1.57% | 1.52% | 1.57% | 1.66% | +24 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 | 13.61% | 13.33% | 13.23% | 13.12% | 14.28% | 13.71% | 14.13% | 15.21% | +210 bps | |
| Equity / Assets | 9.50% | 9.59% | 9.90% | 10.26% | 10.61% | 10.84% | 11.43% | 11.17% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.70% | 79.09% | 84.41% | 90.85% | 83.88% | 91.24% | 95.69% | 82.30% | -855 bps | |
| Liquid Assets / Assets | 13.65% | 7.23% | 4.99% | 0.16% | 5.93% | 2.93% | 0.27% | 0.71% | +55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |