Ames, IA · Charter 62795
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 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.
Ames, IA · Charter 62795
Q1 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.04% | 0.03% | -0.13% | -0.08% | 0.51% | +55 bps | |
| Return on Equity | -0.22% | 0.17% | -0.73% | -0.47% | 4.31% | +453 bps | |
| Net Interest Margin | 1.94% | 2.10% | 2.08% | 2.11% | 1.73% | -21 bps | |
| Efficiency Ratio | 97.86% | 95.51% | 101.26% | 99.63% | 79.98% | -1,789 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.94% | 3.04% | 2.41% | -1.50% | -0.20% | -214 bps | |
| Loan Growth (YoY) | -3.38% | -8.44% | -12.06% | -8.03% | -5.90% | -251 bps | |
| Share Growth (YoY) | 2.54% | 3.96% | 3.21% | -1.74% | 6.28% | +374 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.04% | 0.40% | 0.32% | 0.44% | 0.04% | -200 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.25% | 1.21% | 1.19% | 1.22% | 1.22% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.00% | 17.30% | 17.45% | 17.74% | 11.90% | -510 bps | |
| Net Worth / Assets | 17.00% | 17.30% | 17.45% | 17.74% | 11.90% | -510 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.08% | 41.98% | 41.81% | 43.21% | 36.37% | -471 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |