Dubuque, IA · Charter 64989
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.10% | -0.08% | 0.06% | -0.10% | -0.06% | -0.17% | -17.78% | -12.03% | -1,194 bps | |
| Return on Equity | -1.13% | -0.98% | 0.68% | -1.14% | -0.78% | -2.16% | n/a | n/a | n/a | |
| Net Interest Margin | 3.27% | 3.35% | 3.35% | 3.37% | 3.44% | 3.37% | 3.78% | 3.86% | +49 bps | |
| Efficiency Ratio | 99.53% | 101.80% | 98.82% | 100.67% | 100.36% | 103.78% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.00% | -1.17% | 0.25% | 2.26% | 1.40% | 5.72% | -4.27% | -5.65% | -791 bps | |
| Loan Growth (YoY) | 5.89% | 5.79% | 7.78% | 5.96% | 4.47% | -0.03% | 1.14% | -2.55% | -850 bps | |
| Share Growth (YoY) | -0.08% | -1.32% | 0.45% | 2.52% | 1.56% | 6.20% | 4.56% | 3.16% | +63 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 0.38% | 0.35% | 0.37% | 0.31% | 1.12% | 0.55% | 0.62% | +25 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 | 0.50% | 0.51% | 0.51% | 0.59% | 0.63% | 0.64% | 0.65% | 0.66% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.55% | 8.65% | 8.45% | 8.32% | 8.37% | 8.10% | -0.16% | -0.20% | -852 bps | |
| Net Worth / Assets | 8.55% | 8.65% | 8.45% | 8.32% | 8.37% | 8.10% | -0.16% | -0.20% | -852 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.39% | 61.48% | 60.66% | 61.61% | 62.12% | 57.87% | 58.67% | 58.21% | -341 bps | |
| Liquid Assets / Assets | 16.79% | 20.68% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |