Davenport, IA · Charter 61244
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | -0.86% | -0.74% | -1.02% | -4.20% | -3.15% | -6.70% | -4.57% | -355 bps | |
| Return on Equity | 2.68% | -10.17% | -8.60% | -12.85% | -77.07% | -65.00% | -249% | -158.68% | -14,583 bps | |
| Net Interest Margin | 3.07% | 2.86% | 3.03% | 2.92% | 3.13% | 2.91% | 3.05% | 3.10% | +18 bps | |
| Efficiency Ratio | 92.83% | 124.24% | 119.64% | 127.67% | 189.62% | 173.09% | 157.58% | 135.83% | +816 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.62% | 9.70% | 6.74% | 5.16% | -3.73% | -13.12% | -16.60% | -22.34% | -2,749 bps | |
| Loan Growth (YoY) | 6.14% | 6.11% | 2.62% | -2.05% | -10.89% | -16.00% | -18.72% | -18.78% | -1,673 bps | |
| Share Growth (YoY) | 4.06% | 4.97% | 7.86% | 4.23% | -3.45% | -5.02% | -11.20% | -13.55% | -1,778 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.14% | 1.60% | 2.45% | 4.66% | 2.02% | 0.96% | 0.90% | 0.68% | -398 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 | 0.40% | 0.35% | 0.34% | 0.35% | 0.45% | 0.23% | 3.26% | 3.32% | +297 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.27% | 8.45% | 8.55% | 7.91% | 5.45% | 4.84% | 2.69% | 2.88% | -503 bps | |
| Net Worth / Assets | 9.27% | 8.45% | 8.55% | 7.91% | 5.45% | 4.84% | 2.69% | 2.88% | -503 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.11% | 87.18% | 85.82% | 85.82% | 84.09% | 77.09% | 78.55% | 80.64% | -519 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |