Cedar Falls, IA · Charter 64469
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 | -0.31% | -0.22% | -0.16% | -0.16% | -0.23% | -0.25% | -0.43% | -0.30% | -14 bps | |
| Return on Equity | -2.14% | -1.44% | -1.05% | -1.04% | -1.47% | -1.54% | -2.57% | -1.83% | -78 bps | |
| Net Interest Margin | 1.99% | 2.13% | 2.13% | 2.21% | 2.21% | 2.22% | 2.10% | 2.12% | -9 bps | |
| Efficiency Ratio | 115.72% | 110.17% | 107.42% | 107.29% | 110.44% | 111.05% | 120.17% | 114.18% | +690 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.34% | -11.25% | -11.20% | -13.59% | -9.32% | -8.55% | -9.33% | -7.40% | +619 bps | |
| Loan Growth (YoY) | -4.41% | -7.69% | -6.73% | -4.38% | -8.12% | -6.83% | 2.04% | -4.27% | +11 bps | |
| Share Growth (YoY) | -8.18% | -12.71% | -12.79% | -15.51% | -10.61% | -9.81% | -10.65% | -8.37% | +714 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.56% | 0.57% | 0.59% | 0.58% | 0.61% | 0.61% | 0.58% | 0.60% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.60% | 14.98% | 15.30% | 15.66% | 15.95% | 16.13% | 16.56% | 16.59% | +93 bps | |
| Net Worth / Assets | 14.60% | 14.98% | 15.30% | 15.66% | 15.95% | 16.13% | 16.56% | 16.59% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.25% | 78.98% | 77.86% | 82.23% | 80.43% | 81.59% | 88.92% | 85.90% | +368 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |