Davenport, IA · Charter 64472
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.09% | 2.46% | 1.63% | 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 | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 6.59% | 2.21% | -4.97% | -1.49% | -9.86% | -1,645 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 17.98% | 16.29% | 8.74% | 6.28% | -12.46% | -3,044 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 8.11% | 2.89% | -7.05% | -10.49% | -10.93% | -1,904 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.57% | 2.07% | 1.37% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.51% | 1.41% | 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 | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.48% | 74.92% | 80.00% | 80.20% | 86.45% | 87.65% | 94.99% | 78.82% | -138 bps | |
| Liquid Assets / Assets | 8.61% | 17.16% | 9.21% | 12.04% | 11.45% | 11.13% | 12.25% | 8.39% | -365 bps | |