Remsen, IA · Cert 9297
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Remsen, IA · Cert 9297
FDIC
Q4 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.22% | 1.22% | 1.23% | 1.34% | 1.38% | 1.45% | 1.45% | +22 bps | |
| Return on Equity | 9.63% | 8.78% | 8.57% | 8.59% | 8.90% | 9.00% | 9.18% | 9.07% | +48 bps | |
| Net Interest Margin | 2.84% | 2.72% | 2.79% | 2.81% | 2.87% | 2.99% | 3.26% | 3.25% | +44 bps | |
| Efficiency Ratio | 30.64% | 33.41% | 33.89% | 32.37% | 31.18% | 30.72% | 30.11% | 29.75% | -262 bps | |
| Non-Interest Burden | 0.61% | 0.75% | 0.84% | 0.81% | 0.81% | 0.81% | 0.89% | 0.89% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.17% | -5.70% | -8.66% | -3.31% | -7.42% | -8.76% | -8.19% | -9.16% | -585 bps | |
| Loan Growth (YoY) | -0.39% | -11.44% | -8.33% | -6.53% | -1.76% | 5.87% | 7.09% | 1.32% | +785 bps | |
| Deposit Growth (YoY) | -4.84% | -7.64% | -10.84% | -4.40% | -9.18% | -10.19% | -9.98% | -13.63% | -924 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.40% | 1.38% | 1.22% | 1.33% | 1.41% | 1.38% | 1.32% | +10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.40% | 18.71% | 18.70% | 16.82% | 18.66% | 18.97% | 18.85% | 18.53% | +170 bps | |
| Equity / Assets | 13.66% | 14.41% | 15.11% | 14.72% | 15.34% | 16.01% | 17.09% | 16.85% | +213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.72% | 66.42% | 70.58% | 76.78% | 74.33% | 78.29% | 83.97% | 90.07% | +1,330 bps | |
| Liquid Assets / Assets | 14.25% | 13.09% | 15.47% | 11.70% | 10.90% | 3.41% | 1.42% | 0.81% | -1,089 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |