PackageTrendsPeer
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Von Maur Employees

Davenport, IA · Charter 64770

Q1 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Von Maur Employees

Davenport, IA · Charter 64770

Q1 2013

$593KAssets
$322KLoans
$534KShares
$59KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -4.30%, down 449 bps year over year; NIM at 0.38%.
  • Asset quality: problem loans at 8.43% of loans (+355 bps YoY).
  • Capital: net worth / assets of 9.95%, down 162 bps from a year ago.
  • Funding: loans stand at 60.37% of shares as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-4.30%-449 bps YoY

Net Interest Margin (YTD, annualized)

0.38%-448 bps YoY

Efficiency Ratio (YTD, annualized)

1217%+113,077 bps YoY

Net Worth / Assets

9.95%-162 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.19%-0.50%-0.27%-0.49%-4.30%-449 bps
Return on Equity1.60%-4.70%-2.75%-3.98%-43.22%-4,482 bps
Net Interest Margin4.86%4.20%3.91%4.70%0.38%-448 bps
Efficiency Ratio86.22%96.94%95.65%99.48%1217%+113,077 bps
Growth
Asset Growth (YoY)6.95%5.40%9.71%10.70%0.49%-647 bps
Loan Growth (YoY)22.64%19.87%-10.62%-14.65%-19.83%-4,246 bps
Share Growth (YoY)9.15%7.21%11.11%13.07%2.43%-672 bps
Asset Quality
Delinquent Loans / Loans4.88%2.97%4.09%10.28%8.43%+355 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.06%0.95%1.02%1.26%1.38%+32 bps
Capital
Risk-Based Capital11.57%10.64%9.91%12.21%9.95%-162 bps
Net Worth / Assets11.57%10.64%9.91%12.21%9.95%-162 bps
Liquidity & Funding
Loans / Shares77.13%67.09%62.94%75.67%60.37%-1,676 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps