Des Moines, IA · Charter 63758
Q2 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.21% | 0.05% | 0.13% | 0.70% | 0.51% | 0.41% | -1.60% | -172 bps | |
| Return on Equity | 1.07% | 1.49% | 0.35% | 0.93% | 4.97% | 3.58% | 3.05% | -12.63% | -1,355 bps | |
| Net Interest Margin | 2.24% | 2.23% | 1.94% | 2.04% | 2.16% | 2.28% | 2.51% | 2.66% | +63 bps | |
| Efficiency Ratio | 95.14% | 93.17% | 98.27% | 95.57% | 78.80% | 85.15% | 87.94% | 217% | +12,140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.77% | 6.78% | 6.97% | 2.96% | 0.27% | 0.10% | 2.30% | 3.79% | +83 bps | |
| Loan Growth (YoY) | 7.61% | 2.42% | 11.36% | -4.37% | 6.73% | 21.12% | 31.81% | 48.40% | +5,277 bps | |
| Share Growth (YoY) | 9.53% | 7.90% | 7.49% | 5.83% | 2.57% | 2.71% | 0.86% | 0.33% | -549 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.55% | 1.50% | 0.39% | 0.37% | 0.44% | 0.54% | 0.51% | 0.51% | +14 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 | 6.95% | 6.66% | 6.28% | 7.18% | 6.12% | 5.30% | 4.63% | 4.67% | -252 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.66% | 13.83% | 13.31% | 13.53% | 14.17% | 14.33% | 13.58% | 12.66% | -87 bps | |
| Net Worth / Assets | 13.66% | 13.83% | 13.31% | 13.53% | 14.17% | 14.33% | 13.58% | 12.66% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.41% | 39.45% | 39.65% | 34.54% | 39.97% | 46.52% | 51.82% | 51.08% | +1,655 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |