Lehigh, IA · Charter 63884
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Lehigh, IA · Charter 63884
Q2 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.07% | -0.12% | -0.13% | -0.11% | 0.01% | 0.10% | 0.06% | +19 bps | |
| Return on Equity | 0.33% | 0.68% | -1.31% | -1.35% | -1.08% | 0.14% | 1.00% | 0.51% | +187 bps | |
| Net Interest Margin | 1.51% | 1.59% | 1.26% | 1.34% | 1.40% | 1.45% | 1.37% | 1.52% | +19 bps | |
| Efficiency Ratio | 97.90% | 95.81% | 109.34% | 109.25% | 107.45% | 99.04% | 93.04% | 96.41% | -1,284 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.44% | 4.71% | -0.09% | 4.93% | -3.12% | -3.40% | -3.02% | -10.38% | -1,531 bps | |
| Loan Growth (YoY) | 6.45% | -5.71% | -10.24% | -14.09% | -3.75% | -2.71% | -3.29% | -7.46% | +664 bps | |
| Share Growth (YoY) | 11.77% | 5.20% | 0.09% | 5.81% | -3.13% | -3.52% | -3.35% | -11.59% | -1,740 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.40% | 0.54% | 0.52% | 0.50% | 0.32% | 0.62% | 4.58% | +406 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 | 1.24% | 1.30% | 1.39% | 1.41% | 1.29% | 1.33% | 1.44% | 1.53% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.02% | 10.20% | 9.47% | 9.59% | 10.06% | 10.33% | 9.77% | 10.80% | +121 bps | |
| Net Worth / Assets | 10.02% | 10.20% | 9.47% | 9.59% | 10.06% | 10.33% | 9.77% | 10.80% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.32% | 41.11% | 36.01% | 36.31% | 42.05% | 41.45% | 36.04% | 38.01% | +170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |