Dubuque, IA · Cert 13150
FDIC · 12 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Dubuque, IA · Cert 13150
FDIC · 12 branches
Q1 2019
Market Position · Dubuque, IA · 2018 SOD (annual) · 32.4% share · #2 of 8 inst. · $0.9B of $2.9B
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.82% | 0.74% | 0.91% | 0.94% | 0.96% | 0.99% | 0.89% | -2 bps | |
| Return on Equity | 7.11% | 7.60% | 6.88% | 8.60% | 8.91% | 9.13% | 9.37% | 8.34% | -25 bps | |
| Net Interest Margin | 2.89% | 2.88% | 2.87% | 2.93% | 2.84% | 2.79% | 2.80% | 2.77% | -17 bps | |
| Efficiency Ratio | 77.55% | 76.29% | 74.80% | 75.98% | 75.18% | 74.62% | 73.65% | 74.33% | -165 bps | |
| Non-Interest Burden | 1.74% | 1.67% | 1.59% | 1.71% | 1.61% | 1.55% | 1.51% | 1.55% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.34% | 5.57% | 6.37% | 6.69% | 6.31% | 5.35% | 7.93% | 6.41% | -28 bps | |
| Loan Growth (YoY) | 12.28% | 11.22% | 11.27% | 9.88% | 5.38% | 5.01% | 4.39% | 3.41% | -646 bps | |
| Deposit Growth (YoY) | 5.88% | 8.77% | 10.68% | 7.00% | 11.10% | 3.76% | 10.24% | 5.93% | -108 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.51% | 0.34% | 0.39% | 0.40% | 0.41% | 0.31% | 0.70% | +31 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | 0.03% | 0.06% | 0.03% | 0.02% | 0.05% | -0.01% | -7 bps | |
| Allowance / Loans | 1.06% | 1.08% | 1.07% | 1.07% | 1.09% | 1.11% | 1.08% | 1.11% | +4 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.1x | 3.2x | 2.8x | 2.7x | 2.7x | 3.5x | 1.6x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.88% | 10.81% | 10.68% | 10.75% | 10.56% | 10.49% | 10.71% | 10.99% | +24 bps | |
| Total Risk-Based Capital | 11.97% | 12.18% | 12.12% | 12.01% | 12.23% | 12.40% | 12.52% | 12.63% | +62 bps | |
| Equity / Assets | 10.67% | 10.78% | 10.58% | 10.58% | 10.39% | 10.61% | 10.49% | 10.89% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.58% | 100.09% | 101.99% | 104.09% | 100.14% | 101.30% | 96.58% | 101.62% | -247 bps | |
| Liquid Assets / Assets | 1.56% | 2.09% | 2.17% | 2.41% | 4.32% | 3.78% | 6.13% | 6.07% | +365 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |