Davenport, IA · Charter 62974
NCUA · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Davenport, IA · Charter 62974
NCUA · 1 branch
Q4 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.33% | 1.61% | 1.08% | 0.57% | -0.14% | 0.13% | 0.07% | 0.09% | -47 bps | |
| Return on Equity | 26.71% | 12.30% | 8.01% | 4.27% | -1.08% | 1.00% | 0.52% | 0.69% | -358 bps | |
| Net Interest Margin | 3.22% | 3.13% | 3.17% | 3.13% | 2.80% | 2.93% | 2.98% | 3.05% | -8 bps | |
| Efficiency Ratio | 55.12% | 67.95% | 76.12% | 83.64% | 103.72% | 95.44% | 97.25% | 95.83% | +1,218 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.33% | -11.57% | -12.65% | -18.57% | -7.45% | -3.89% | -2.53% | -4.76% | +1,381 bps | |
| Loan Growth (YoY) | -14.04% | -15.20% | -15.88% | -16.84% | -1.87% | 2.56% | 0.82% | 1.51% | +1,835 bps | |
| Share Growth (YoY) | -8.84% | -14.75% | -20.51% | -25.88% | -11.54% | -7.33% | -1.95% | -1.43% | +2,445 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.71% | 1.09% | 1.82% | 0.41% | 0.34% | 0.24% | 0.15% | -168 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 | 0.89% | 0.88% | 1.05% | 1.24% | 0.85% | 0.98% | 0.92% | 0.93% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.46% | 13.07% | 13.46% | 13.33% | 13.13% | 13.14% | 13.35% | 13.82% | +49 bps | |
| Net Worth / Assets | 12.46% | 13.07% | 13.46% | 13.33% | 13.13% | 13.14% | 13.35% | 13.82% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.09% | 68.31% | 76.50% | 75.86% | 72.21% | 75.60% | 78.66% | 78.13% | +227 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |