Leon, IA · Charter 65263
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 | 1.08% | 1.03% | 0.33% | 0.53% | 0.62% | 0.85% | 0.66% | 0.39% | -15 bps | |
| Return on Equity | 5.22% | 4.76% | 1.66% | 2.62% | 2.90% | 4.01% | 2.83% | 1.64% | -97 bps | |
| Net Interest Margin | 3.50% | 3.51% | 2.95% | 2.98% | 3.02% | 3.03% | 3.37% | 2.95% | -3 bps | |
| Efficiency Ratio | 69.30% | 70.88% | 88.90% | 82.15% | 79.55% | 71.86% | 80.41% | 86.88% | +473 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.48% | 9.06% | 13.24% | 9.66% | 0.41% | 5.66% | -11.58% | -10.48% | -2,014 bps | |
| Loan Growth (YoY) | -18.68% | -6.18% | -4.81% | 1.53% | -1.53% | -6.51% | -11.76% | -14.66% | -1,619 bps | |
| Share Growth (YoY) | -1.83% | 10.31% | 16.03% | 10.92% | -0.45% | 6.09% | -15.65% | -14.21% | -2,512 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.13% | 0.26% | 0.18% | 0.24% | 1.97% | 0.39% | 0.39% | +21 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 | 5.02% | 4.94% | 5.18% | 5.57% | 5.77% | 5.98% | 6.57% | 6.56% | +98 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.70% | 21.54% | 19.70% | 20.35% | 21.29% | 21.27% | 23.31% | 23.57% | +323 bps | |
| Net Worth / Assets | 20.70% | 21.54% | 19.70% | 20.35% | 21.29% | 21.27% | 23.31% | 23.57% | +323 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.72% | 55.07% | 47.08% | 50.54% | 51.16% | 48.53% | 49.25% | 50.28% | -26 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |