Dubuque, IA · Charter 65021
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Dubuque, IA · Charter 65021
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | 0.02% | -0.63% | -0.50% | -0.44% | -0.02% | -0.16% | -0.89% | -39 bps | |
| Return on Equity | -1.82% | 0.16% | -4.42% | -3.45% | -3.06% | -0.12% | -1.11% | -5.76% | -231 bps | |
| Net Interest Margin | 1.94% | 1.86% | 1.77% | 1.72% | 1.69% | 1.72% | 1.70% | 1.86% | +13 bps | |
| Efficiency Ratio | 101.53% | 99.09% | 107.79% | 108.19% | 108.80% | 100.67% | 106.48% | 112.05% | +386 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.05% | -7.00% | -5.18% | -3.12% | -2.53% | -1.61% | -2.50% | -10.13% | -701 bps | |
| Loan Growth (YoY) | 1.30% | -1.97% | -9.15% | -8.95% | -2.62% | -2.70% | -4.24% | -8.19% | +76 bps | |
| Share Growth (YoY) | -5.54% | -8.00% | -5.55% | -3.09% | -2.51% | -1.37% | -2.67% | -11.09% | -800 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 1.49% | 0.78% | 1.95% | 1.52% | 2.37% | 1.86% | 2.73% | +79 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 | 1.54% | 1.54% | 1.85% | 1.90% | 1.82% | 1.75% | 0.59% | 2.12% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.51% | 14.50% | 14.34% | 14.54% | 14.45% | 14.29% | 14.50% | 15.44% | +90 bps | |
| Net Worth / Assets | 14.51% | 14.50% | 14.34% | 14.54% | 14.45% | 14.29% | 14.50% | 15.44% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.19% | 33.11% | 32.71% | 32.89% | 35.15% | 32.67% | 32.18% | 33.96% | +107 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |