Fairfield, IA · Charter 63855
Q2 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.17% | 0.56% | 0.90% | 0.75% | 0.65% | 1.33% | 1.52% | +62 bps | |
| Return on Equity | 9.77% | 8.23% | 4.69% | 7.64% | 7.16% | 6.10% | 12.26% | 12.16% | +452 bps | |
| Net Interest Margin | 5.18% | 4.97% | 4.37% | 4.13% | 3.71% | 3.98% | 4.53% | 5.13% | +100 bps | |
| Efficiency Ratio | 73.17% | 75.72% | 81.56% | 76.67% | 79.28% | 75.61% | 70.52% | 69.75% | -692 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.52% | 25.66% | 37.68% | 33.58% | 50.75% | 42.30% | 18.56% | 2.81% | -3,077 bps | |
| Loan Growth (YoY) | 2.31% | 7.07% | 7.05% | 15.78% | 25.04% | 22.87% | 23.80% | 20.18% | +440 bps | |
| Share Growth (YoY) | 20.00% | 29.01% | 43.50% | 38.19% | 58.44% | 48.30% | 19.81% | 1.87% | -3,632 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.60% | 4.55% | 2.55% | 1.87% | 1.74% | 0.18% | 0.57% | 1.00% | -86 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 | 1.57% | 1.68% | 1.74% | 1.45% | 1.32% | 0.75% | 0.97% | 0.95% | -51 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.65% | 14.26% | 11.85% | 11.76% | 10.43% | 10.67% | 10.85% | 12.47% | +71 bps | |
| Net Worth / Assets | 14.65% | 14.26% | 11.85% | 11.76% | 10.43% | 10.67% | 10.85% | 12.47% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.49% | 76.01% | 59.32% | 61.00% | 58.78% | 62.97% | 61.29% | 71.96% | +1,096 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |