Ames, IA · Charter 61919
Q3 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.56% | 0.88% | 0.76% | 0.84% | 0.63% | 0.47% | 0.56% | -20 bps | |
| Return on Equity | 8.41% | 6.99% | 10.08% | 8.77% | 9.11% | 6.94% | 5.15% | 5.90% | -286 bps | |
| Net Interest Margin | 2.24% | 2.26% | 2.38% | 2.35% | 2.43% | 2.22% | 2.27% | 2.33% | -2 bps | |
| Efficiency Ratio | 78.49% | 81.91% | 74.21% | 73.50% | 74.11% | 79.93% | 83.88% | 81.05% | +756 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.24% | 2.88% | -2.34% | 1.73% | 0.22% | -0.01% | 4.65% | -0.49% | -222 bps | |
| Loan Growth (YoY) | 8.85% | 13.05% | 11.66% | 7.70% | 4.91% | 3.16% | 1.73% | 3.37% | -434 bps | |
| Share Growth (YoY) | -0.81% | 2.71% | -3.44% | 0.93% | -1.13% | -1.67% | 4.22% | -1.33% | -226 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.37% | 0.48% | 0.60% | 0.14% | 0.07% | 0.09% | 0.37% | -23 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 | 1.56% | 1.74% | 1.71% | 1.89% | 1.48% | 1.48% | 1.47% | 1.42% | -47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.14% | 7.97% | 8.75% | 8.68% | 9.20% | 9.02% | 9.08% | 9.49% | +81 bps | |
| Net Worth / Assets | 8.14% | 7.97% | 8.75% | 8.68% | 9.20% | 9.02% | 9.08% | 9.49% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.67% | 33.62% | 36.27% | 35.28% | 36.78% | 35.27% | 35.40% | 36.95% | +168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |