Hazleton, IA · Charter 64329
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Hazleton, IA · Charter 64329
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.67% | -2.48% | -1.67% | -1.17% | -2.23% | -0.65% | -0.30% | -13.63% | -1,246 bps | |
| Return on Equity | -13.26% | -12.77% | -8.27% | -5.80% | -11.41% | -3.31% | -1.53% | -112.60% | -10,681 bps | |
| Net Interest Margin | 3.16% | 3.21% | 3.24% | 3.15% | 3.18% | 3.11% | 2.95% | -8.92% | -1,206 bps | |
| Efficiency Ratio | 65.83% | 66.45% | 74.63% | 77.95% | 85.29% | 78.38% | 79.05% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.40% | 8.92% | 3.63% | 1.83% | -1.95% | -2.80% | 1.81% | -22.82% | -2,465 bps | |
| Loan Growth (YoY) | -0.22% | -11.79% | -13.61% | -15.85% | -20.58% | -14.17% | -13.55% | -12.78% | +307 bps | |
| Share Growth (YoY) | 14.22% | 13.85% | 5.72% | 3.83% | -1.20% | -3.30% | 2.33% | -15.01% | -1,884 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.61% | 4.54% | 10.42% | 12.05% | 9.18% | 9.52% | 9.33% | 7.00% | -505 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 | 3.20% | 3.59% | 4.25% | 4.22% | 6.41% | 7.26% | 7.75% | 7.17% | +295 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.16% | 19.39% | 20.13% | 20.12% | 19.53% | 19.69% | 19.63% | 12.10% | -801 bps | |
| Net Worth / Assets | 20.16% | 19.39% | 20.13% | 20.12% | 19.53% | 19.69% | 19.63% | 12.10% | -801 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.44% | 44.30% | 46.04% | 43.95% | 42.16% | 39.32% | 38.89% | 45.10% | +116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |