Davenport, IA · Charter 64472
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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 64472
Q2 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.15% | 3.30% | 2.87% | 2.96% | 3.24% | +9 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 6.59% | 2.21% | -4.97% | -1.49% | -9.86% | -1,645 bps | |
| Loan Growth (YoY) | 17.98% | 16.29% | 8.74% | 6.28% | -12.46% | -3,044 bps | |
| Share Growth (YoY) | 8.11% | 2.89% | -7.05% | -10.49% | -10.93% | -1,904 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.12% | 1.96% | 2.98% | 3.30% | 2.34% | +122 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 0.98% | 1.28% | 1.76% | 1.39% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.20% | 86.45% | 87.65% | 94.99% | 78.82% | -138 bps | |
| Liquid Assets / Assets | 12.04% | 11.45% | 11.13% | 12.25% | 8.39% | -365 bps | |