Davenport, IA · Charter 63938
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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 63938
Q4 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.01% | 0.11% | -0.01% | -0.72% | -0.29% | -0.06% | -0.22% | -21 bps | |
| Return on Equity | 0.40% | 0.06% | 1.09% | -0.12% | -7.23% | -2.90% | -0.55% | -2.16% | -204 bps | |
| Net Interest Margin | 4.23% | 4.27% | 3.94% | 3.99% | 3.50% | 3.58% | 3.77% | 3.71% | -28 bps | |
| Efficiency Ratio | 97.90% | 96.87% | 96.23% | 99.30% | 111.80% | 102.74% | 98.52% | 100.81% | +151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.36% | -1.21% | 5.81% | 2.31% | 1.96% | 2.14% | -8.59% | -3.53% | -585 bps | |
| Loan Growth (YoY) | 6.32% | 7.92% | 6.81% | 2.56% | 1.24% | -2.45% | -7.03% | -10.55% | -1,311 bps | |
| Share Growth (YoY) | -8.31% | -11.66% | -10.04% | 0.20% | 7.56% | 14.52% | 7.13% | -1.40% | -160 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.49% | 0.79% | 0.85% | 1.08% | 1.56% | 1.47% | 2.26% | +141 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 | 0.42% | 0.33% | 0.35% | 0.34% | 0.36% | 0.44% | 0.42% | 0.43% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.39% | 10.46% | 9.76% | 10.12% | 9.98% | 10.08% | 10.53% | 10.27% | +14 bps | |
| Net Worth / Assets | 10.39% | 10.46% | 9.76% | 10.12% | 9.98% | 10.08% | 10.53% | 10.27% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.81% | 110.58% | 109.53% | 97.82% | 94.89% | 94.20% | 95.05% | 88.75% | -907 bps | |
| Liquid Assets / Assets | 4.18% | 2.75% | 10.61% | 7.22% | 6.81% | 0.00% | 0.00% | 0.00% | -722 bps | |