Davenport, IA · Charter 64770
Q1 2013
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Davenport, IA · Charter 64770
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.65% | -1.03% | -1.01% | 0.19% | -0.50% | -0.27% | -0.49% | -4.30% | -449 bps | |
| Return on Equity | -5.43% | -9.27% | -7.17% | 1.60% | -4.70% | -2.75% | -3.98% | -43.22% | -4,482 bps | |
| Net Interest Margin | 4.02% | 3.82% | 5.14% | 4.86% | 4.20% | 3.91% | 4.70% | 0.38% | -448 bps | |
| Efficiency Ratio | 104.36% | 108.83% | 100.69% | 86.22% | 96.94% | 95.65% | 99.48% | 1217% | +113,077 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.13% | 10.87% | -20.86% | 6.95% | 5.40% | 9.71% | 10.70% | 0.49% | -647 bps | |
| Loan Growth (YoY) | -13.30% | 24.12% | 18.79% | 22.64% | 19.87% | -10.62% | -14.65% | -19.83% | -4,246 bps | |
| Share Growth (YoY) | 20.08% | 13.56% | -22.77% | 9.15% | 7.21% | 11.11% | 13.07% | 2.43% | -672 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.59% | 6.65% | 3.72% | 4.88% | 2.97% | 4.09% | 10.28% | 8.43% | +355 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 | 1.09% | 0.87% | 0.85% | 1.06% | 0.95% | 1.02% | 1.26% | 1.38% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.98% | 11.12% | 14.05% | 11.57% | 10.64% | 9.91% | 12.21% | 9.95% | -162 bps | |
| Net Worth / Assets | 11.98% | 11.12% | 14.05% | 11.57% | 10.64% | 9.91% | 12.21% | 9.95% | -162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.01% | 78.24% | 100.25% | 77.13% | 67.09% | 62.94% | 75.67% | 60.37% | -1,676 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |