Burlington, IA · Charter 61545
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.
Burlington, IA · Charter 61545
Q4 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.21% | -5.16% | -4.31% | -3.26% | 0.00% | 0.24% | -0.56% | -2.02% | +125 bps | |
| Return on Equity | -14.08% | -72.47% | -67.10% | -49.66% | -0.07% | 3.69% | -8.78% | -41.00% | +866 bps | |
| Net Interest Margin | 3.40% | 3.52% | 3.51% | 3.55% | 2.93% | 2.98% | 3.06% | 3.08% | -47 bps | |
| Efficiency Ratio | 85.43% | 93.80% | 95.15% | 95.69% | 87.89% | 87.50% | 92.52% | 129.47% | +3,378 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.72% | -2.15% | -1.36% | -5.74% | -5.46% | -0.28% | -5.00% | -6.30% | -56 bps | |
| Loan Growth (YoY) | 21.45% | -7.49% | -21.21% | -19.94% | -14.80% | -15.48% | -14.13% | -15.20% | +474 bps | |
| Share Growth (YoY) | 5.50% | 0.89% | 2.89% | -2.94% | -2.93% | 0.23% | -5.03% | -4.70% | -176 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.72% | 6.61% | 4.79% | 2.37% | 2.37% | 1.52% | 2.61% | 2.01% | -36 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 | 2.37% | 4.49% | 3.80% | 2.43% | 2.88% | 2.22% | 2.36% | 2.48% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.60% | 7.11% | 6.42% | 6.57% | 6.29% | 6.62% | 6.37% | 4.92% | -165 bps | |
| Net Worth / Assets | 8.60% | 7.11% | 6.42% | 6.57% | 6.29% | 6.62% | 6.37% | 4.92% | -165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.76% | 54.48% | 51.36% | 50.85% | 47.19% | 45.94% | 46.44% | 45.25% | -560 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |