Mason City, IA · Charter 64468
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 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.
Mason City, IA · Charter 64468
Q3 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.33% | 0.53% | 0.16% | -1.41% | -0.91% | -2.35% | -1.76% | -6.64% | -523 bps | |
| Return on Equity | -6.72% | 1.47% | 0.48% | -3.78% | -2.35% | -5.88% | -4.39% | -16.53% | -1,275 bps | |
| Net Interest Margin | 7.29% | 8.01% | 7.79% | 8.72% | 8.98% | 8.27% | 8.32% | 9.11% | +39 bps | |
| Efficiency Ratio | 133.20% | 93.41% | 92.84% | 103.17% | 101.37% | 112.61% | 113.12% | 139.36% | +3,618 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.26% | -10.16% | -2.32% | -14.02% | -12.91% | -13.12% | -18.41% | -17.20% | -318 bps | |
| Loan Growth (YoY) | 1.06% | 8.18% | 8.61% | 3.30% | -0.17% | -7.33% | -7.54% | -19.00% | -2,230 bps | |
| Share Growth (YoY) | -3.21% | -13.28% | -1.79% | -19.10% | -20.15% | -18.16% | -25.51% | -21.21% | -211 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.19% | 6.95% | 6.31% | 6.90% | 9.92% | 5.80% | 9.12% | 15.65% | +875 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 | 0.33% | 0.37% | 0.62% | 1.32% | 1.30% | 1.71% | 1.55% | 1.13% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.61% | 36.21% | 34.23% | 37.21% | 38.83% | 39.98% | 40.01% | 40.18% | +297 bps | |
| Net Worth / Assets | 34.61% | 36.21% | 34.23% | 37.21% | 38.83% | 39.98% | 40.01% | 40.18% | +297 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 130.01% | 144.50% | 132.70% | 155.71% | 162.54% | 163.61% | 164.70% | 160.07% | +436 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |