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Iowa Community

Waterloo, IA · Charter 64019

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

Iowa Community

Waterloo, IA · Charter 64019

Q1 2014

$77.8MAssets
$52.3MLoans
$64.7MShares
$7.6MNet Worth

Executive Summary

  • Earnings: ROA of -0.89%, down 139 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 1.62% of loans (-102 bps YoY).
  • Capital: net worth / assets of 9.78%, up 88 bps from a year ago.
  • Funding: loans stand at 80.87% of shares as of Q1 2014.

Return on Assets (YTD, annualized)

-0.89%-139 bps YoY

Net Interest Margin (YTD, annualized)

2.82%+47 bps YoY

Efficiency Ratio (YTD, annualized)

121.77%+3,495 bps YoY

Net Worth / Assets

9.78%+88 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets1.38%1.07%0.88%0.50%0.51%0.49%0.51%-0.89%-139 bps
Return on Equity15.23%11.68%9.68%5.61%5.54%5.19%5.11%-9.13%-1,474 bps
Net Interest Margin2.70%2.68%2.72%2.35%2.68%2.74%2.87%2.82%+47 bps
Efficiency Ratio68.86%71.36%76.63%86.81%87.45%87.50%86.97%121.77%+3,495 bps
Growth
Asset Growth (YoY)4.56%5.02%3.68%3.04%4.29%2.22%-3.07%-7.56%-1,060 bps
Loan Growth (YoY)7.29%6.05%-1.07%-2.76%-1.01%3.17%2.37%0.57%+333 bps
Share Growth (YoY)4.17%4.08%3.05%2.23%4.54%2.31%-4.05%-8.82%-1,105 bps
Asset Quality
Delinquent Loans / Loans3.00%2.88%2.88%2.64%0.99%1.33%1.10%1.62%-102 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.57%0.70%0.75%0.80%0.69%0.67%0.59%0.62%-18 bps
Capital
Risk-Based Capital9.03%9.16%9.13%8.90%9.11%9.42%9.93%9.78%+88 bps
Net Worth / Assets9.03%9.16%9.13%8.90%9.11%9.42%9.93%9.78%+88 bps
Liquidity & Funding
Loans / Shares80.45%80.83%78.79%73.32%76.18%81.51%84.06%80.87%+755 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps