Clinton, IA · Charter 61218
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 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.
Clinton, IA · Charter 61218
Q1 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | 0.17% | 0.25% | 0.31% | 0.27% | 0.32% | 0.29% | 0.36% | +5 bps | |
| Return on Equity | -0.09% | 1.13% | 1.64% | 2.10% | 1.76% | 2.04% | 1.79% | 2.40% | +31 bps | |
| Net Interest Margin | 2.41% | 2.45% | 2.50% | 2.29% | 2.39% | 2.42% | 2.48% | 2.19% | -10 bps | |
| Efficiency Ratio | 100.50% | 94.09% | 91.46% | 87.03% | 89.18% | 86.92% | 86.60% | 85.87% | -117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.60% | 3.69% | 4.73% | -0.86% | -1.53% | -1.52% | -1.76% | 0.95% | +181 bps | |
| Loan Growth (YoY) | 4.38% | 2.88% | 0.16% | -2.13% | -0.34% | 8.44% | 5.97% | 3.99% | +612 bps | |
| Share Growth (YoY) | 6.67% | 4.33% | 5.49% | -1.48% | -2.21% | -2.19% | -2.42% | 0.82% | +230 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 1.62% | 0.37% | 0.23% | 0.32% | 0.06% | 0.01% | 0.37% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.28% | 0.21% | 0.10% | 0.11% | 0.05% | 0.13% | 0.13% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.91% | 15.27% | 15.49% | 14.93% | 15.54% | 15.87% | 16.05% | 15.07% | +14 bps | |
| Net Worth / Assets | 14.91% | 15.27% | 15.49% | 14.93% | 15.54% | 15.87% | 16.05% | 15.07% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.77% | 65.26% | 65.12% | 60.78% | 66.02% | 72.36% | 70.72% | 62.70% | +191 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |