Des Moines, IA · Charter 65195
Q1 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.90% | -0.88% | -0.86% | -1.04% | -1.00% | -0.86% | -1.04% | -0.95% | +9 bps | |
| Return on Equity | -6.92% | -6.73% | -6.69% | -8.33% | -8.04% | -6.87% | -8.70% | -8.28% | +5 bps | |
| Net Interest Margin | 2.77% | 2.89% | 2.90% | 2.86% | 2.89% | 3.03% | 3.07% | 3.06% | +20 bps | |
| Efficiency Ratio | 125.28% | 123.56% | 122.74% | 128.26% | 126.58% | 121.84% | 126.33% | 123.85% | -441 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.46% | -7.33% | -3.54% | -3.67% | -2.05% | -1.65% | -1.37% | 0.35% | +402 bps | |
| Loan Growth (YoY) | -3.20% | 8.06% | 10.19% | 15.66% | 14.61% | 13.32% | 9.30% | 16.38% | +73 bps | |
| Share Growth (YoY) | -7.83% | -6.22% | -3.00% | -3.22% | -1.13% | -0.95% | -0.54% | 1.49% | +471 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | -4 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 | 0.98% | 0.82% | 0.85% | 0.91% | 0.79% | 0.76% | 0.78% | 0.79% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.06% | 13.07% | 12.79% | 12.50% | 12.43% | 12.44% | 11.93% | 11.46% | -104 bps | |
| Net Worth / Assets | 13.06% | 13.07% | 12.79% | 12.50% | 12.43% | 12.44% | 11.93% | 11.46% | -104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.27% | 65.99% | 65.99% | 60.94% | 67.55% | 75.50% | 72.52% | 69.89% | +894 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |