Waterloo, IA · Charter 64727
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | -0.35% | -0.28% | -0.17% | -0.15% | -0.19% | -0.19% | -0.19% | -1 bps | |
| Return on Equity | -3.62% | -2.82% | -2.25% | -1.38% | -1.17% | -1.47% | -1.46% | -1.32% | +7 bps | |
| Net Interest Margin | 1.64% | 1.70% | 1.62% | 1.61% | 1.67% | 1.70% | 1.53% | 1.62% | +1 bps | |
| Efficiency Ratio | 119.08% | 114.71% | 112.03% | 107.75% | 106.37% | 102.26% | 108.83% | 108.40% | +66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.20% | -3.77% | -3.73% | -8.89% | -5.97% | -6.69% | -5.09% | -12.51% | -362 bps | |
| Loan Growth (YoY) | -13.89% | -11.74% | -5.65% | -2.87% | 2.16% | -6.53% | -11.58% | -18.05% | -1,518 bps | |
| Share Growth (YoY) | -5.35% | -3.80% | -3.65% | -9.61% | -6.60% | -7.50% | -5.74% | -14.13% | -452 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.23% | 1.07% | 1.44% | 0.95% | 1.29% | 0.65% | 0.61% | 0.36% | -59 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 | 1.16% | 1.10% | 1.15% | 1.08% | 1.06% | 0.98% | 1.07% | 1.13% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.18% | 12.46% | 12.27% | 12.56% | 12.82% | 13.16% | 12.77% | 14.15% | +159 bps | |
| Net Worth / Assets | 12.18% | 12.46% | 12.27% | 12.56% | 12.82% | 13.16% | 12.77% | 14.15% | +159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.05% | 22.73% | 21.69% | 22.90% | 24.12% | 22.97% | 20.35% | 21.86% | -104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |