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Rimoda

Davenport, IA · Charter 65549

Q4 2013

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 2013, the quarter ended December 31, 2013, 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

Rimoda

Davenport, IA · Charter 65549

Q4 2013

$337KAssets
$141KLoans
$330KShares
$7KNet Worth

Executive Summary

  • Earnings: ROA of -6.14%, down 329 bps year over year; NIM at -1.00%.
  • Asset quality: problem loans at 0.00% of loans (-984 bps YoY).
  • Capital: net worth / assets of 1.94%, down 516 bps from a year ago.
  • Funding: loans stand at 42.77% of shares as of Q4 2013.

Return on Assets (YTD, annualized)

-6.14%-329 bps YoY

Net Interest Margin (YTD, annualized)

-1.00%-386 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

1.94%-516 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.13%-5.86%-3.72%-2.85%-0.20%-0.99%-0.44%-6.14%-329 bps
Return on Equity1.49%-89.76%-54.51%-40.04%-2.83%-14.85%-6.39%-316%-27,577 bps
Net Interest Margin2.61%2.70%2.87%2.86%2.59%2.88%2.97%-1.00%-386 bps
Efficiency Ratio94.87%95.38%88.31%91.74%107.66%108.03%97.67%n/an/a
Growth
Asset Growth (YoY)22.36%15.25%4.59%-1.29%-7.53%-3.23%-3.75%-12.07%-1,078 bps
Loan Growth (YoY)17.33%-22.24%-24.93%-25.88%-12.93%-1.49%-5.45%-13.18%+1,269 bps
Share Growth (YoY)25.39%21.50%9.25%2.89%-5.33%-3.05%-3.60%-7.04%-993 bps
Asset Quality
Delinquent Loans / Loans3.05%3.51%0.57%9.84%0.00%0.00%0.00%0.00%-984 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.65%11.19%8.51%8.73%1.31%2.33%2.58%3.07%-566 bps
Capital
Risk-Based Capital8.99%6.53%6.83%7.11%7.04%6.64%6.96%1.94%-516 bps
Net Worth / Assets8.99%6.53%6.83%7.11%7.04%6.64%6.96%1.94%-516 bps
Liquidity & Funding
Loans / Shares52.98%47.30%48.20%45.80%48.73%48.05%47.27%42.77%-303 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps