PackageTrendsPeer
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Preferred Risk Employees

West Des Moines, IA · Charter 62857

Q1 2014

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: 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.

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

Preferred Risk Employees

West Des Moines, IA · Charter 62857

Q1 2014

$6.5MAssets
$1.4MLoans
$5.5MShares
$961KNet Worth

Executive Summary

  • Earnings: ROA of 0.21%, down 7 bps year over year; NIM at 2.29%.
  • Asset quality: problem loans at 0.50% of loans (+15 bps YoY).
  • Capital: net worth / assets of 14.89%, up 66 bps from a year ago.
  • Funding: loans stand at 25.24% of shares as of Q1 2014.

Return on Assets (YTD, annualized)

0.21%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.29%-14 bps YoY

Efficiency Ratio (YTD, annualized)

90.94%+238 bps YoY

Net Worth / Assets

14.89%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets0.42%0.38%0.42%0.28%0.44%0.38%0.25%0.21%-7 bps
Return on Equity2.87%2.66%2.86%1.97%3.13%2.63%1.76%1.41%-56 bps
Net Interest Margin2.34%2.43%2.51%2.42%2.39%2.41%2.33%2.29%-14 bps
Efficiency Ratio82.44%84.47%83.40%88.56%81.58%84.31%89.45%90.94%+238 bps
Growth
Asset Growth (YoY)6.53%5.81%2.71%0.59%5.15%2.00%5.83%-2.86%-344 bps
Loan Growth (YoY)-4.56%-5.58%-7.54%-9.35%-9.59%2.03%7.98%10.20%+1,955 bps
Share Growth (YoY)7.50%6.48%2.69%0.21%5.65%1.85%6.53%-3.60%-381 bps
Asset Quality
Delinquent Loans / Loans0.33%0.12%0.05%0.34%0.07%0.22%0.20%0.50%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.03%5.14%5.18%5.38%5.35%4.84%4.80%4.88%-50 bps
Capital
Risk-Based Capital14.48%14.37%14.77%14.23%14.19%14.49%14.20%14.89%+66 bps
Net Worth / Assets14.48%14.37%14.77%14.23%14.19%14.49%14.20%14.89%+66 bps
Liquidity & Funding
Loans / Shares25.59%24.65%24.04%22.08%21.90%24.69%24.37%25.24%+316 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps