Davenport, IA · Charter 64946
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 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 64946
Q2 2013
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 0.87% | 0.90% | -18.82% | -11.16% | -1,217 bps | |
| Return on Equity | 12.77% | 11.00% | 10.55% | -481% | -328% | -34,096 bps | |
| Net Interest Margin | 3.17% | 3.12% | 3.31% | 3.24% | 3.30% | +14 bps | |
| Efficiency Ratio | 70.11% | 73.47% | 74.14% | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 9.76% | 12.61% | 1.83% | -3.59% | -8.53% | -1,829 bps | |
| Loan Growth (YoY) | 5.10% | -3.73% | -4.78% | 5.48% | -2.12% | -722 bps | |
| Share Growth (YoY) | 9.51% | 12.51% | 0.92% | 0.01% | -4.55% | -1,406 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.27% | 0.27% | 0.95% | 0.80% | 3.10% | +182 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.37% | 0.42% | 0.40% | 0.34% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.88% | 7.93% | 8.54% | 3.91% | 3.40% | -448 bps | |
| Net Worth / Assets | 7.88% | 7.93% | 8.54% | 3.91% | 3.40% | -448 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.09% | 56.17% | 57.50% | 58.33% | 57.52% | +143 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |