PackageTrendsPeer
Letter portraitLegal landscape

Urbandale Municipal Employees

Urbandale, IA · Charter 65131

Q4 2012

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: Q4 2012, the quarter ended December 31, 2012, 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

Urbandale Municipal Employees

Urbandale, IA · Charter 65131

Q4 2012

$1.4MAssets
$311KLoans
$1.2MShares
$264KNet Worth

Executive Summary

  • Earnings: ROA of 0.49%, down 8 bps year over year; NIM at 1.17%.
  • Asset quality: problem loans at 0.72% of loans (-161 bps YoY).
  • Capital: net worth / assets of 18.21%, up 106 bps from a year ago.
  • Funding: loans stand at 26.26% of shares as of Q4 2012.

Return on Assets (YTD, annualized)

0.49%-8 bps YoY

Net Interest Margin (YTD, annualized)

1.17%-44 bps YoY

Efficiency Ratio (YTD, annualized)

57.83%-647 bps YoY

Net Worth / Assets

18.21%+106 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets1.48%0.93%0.61%0.57%0.23%0.63%0.48%0.49%-8 bps
Return on Equity8.65%5.36%3.50%3.35%1.39%3.75%2.72%2.71%-63 bps
Net Interest Margin2.99%2.00%1.79%1.61%1.78%1.57%1.27%1.17%-44 bps
Efficiency Ratio50.27%53.42%65.92%64.30%87.07%59.46%62.58%57.83%-647 bps
Growth
Asset Growth (YoY)6.46%1.71%0.63%-1.07%2.41%5.22%2.02%-3.17%-210 bps
Loan Growth (YoY)-7.46%-1.28%11.86%-5.39%-7.37%-17.36%-22.09%-23.02%-1,763 bps
Share Growth (YoY)6.41%0.77%-0.56%-2.05%2.59%5.78%1.85%-4.26%-222 bps
Asset Quality
Delinquent Loans / Loans2.65%2.53%2.19%2.33%0.69%0.43%0.16%0.72%-161 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans8.71%8.39%7.63%8.77%8.56%9.31%9.24%10.88%+210 bps
Capital
Risk-Based Capital17.17%17.36%17.42%17.15%16.60%16.93%17.56%18.21%+106 bps
Net Worth / Assets17.17%17.36%17.42%17.15%16.60%16.93%17.56%18.21%+106 bps
Liquidity & Funding
Loans / Shares33.34%34.88%38.54%32.65%30.11%27.25%29.48%26.26%-640 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps