PackageTrendsPeer
Letter portraitLegal landscape

A - E Employees

Des Moines, IA · Charter 61227

Q3 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2012, the quarter ended September 30, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

A - E Employees

Des Moines, IA · Charter 61227

Q3 2012

$2.8MAssets
$1.8MLoans
$2.4MShares
$366KNet Worth

Executive Summary

  • Earnings: ROA of -9.72%, down 988 bps year over year; NIM at -5.51%.
  • Asset quality: problem loans at 0.07% of loans (-23 bps YoY).
  • Capital: net worth / assets of 13.01%, down 809 bps from a year ago.
  • Funding: loans stand at 74.49% of shares as of Q3 2012.

Return on Assets (YTD, annualized)

-9.72%-988 bps YoY

Net Interest Margin (YTD, annualized)

-5.51%-998 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

13.01%-809 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.14%0.23%0.32%0.16%0.00%0.26%0.40%-9.72%-988 bps
Return on Equity0.66%1.16%1.56%0.75%0.02%1.22%2.13%-74.73%-7,548 bps
Net Interest Margin4.35%4.40%4.36%4.47%4.37%4.13%3.72%-5.51%-998 bps
Efficiency Ratio93.62%91.75%91.25%93.74%97.79%94.09%89.66%n/an/a
Growth
Asset Growth (YoY)2.42%13.43%11.36%4.36%-0.13%-5.06%7.69%3.06%-130 bps
Loan Growth (YoY)-3.06%-4.64%-0.77%11.09%1.97%3.53%-0.63%-13.52%-2,461 bps
Share Growth (YoY)2.68%20.67%14.42%8.49%3.09%-6.28%6.68%13.06%+456 bps
Asset Quality
Delinquent Loans / Loans0.75%0.00%0.00%0.30%0.00%0.00%0.00%0.07%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.18%1.10%1.00%0.99%0.90%0.92%0.96%1.34%+35 bps
Capital
Risk-Based Capital21.41%19.81%20.35%21.10%21.34%20.87%18.95%13.01%-809 bps
Net Worth / Assets21.41%19.81%20.35%21.10%21.34%20.87%18.95%13.01%-809 bps
Liquidity & Funding
Loans / Shares100.76%86.47%91.59%97.39%99.66%95.52%85.32%74.49%-2,289 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps