Dubuque, IA · Charter 65109
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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 65109
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.43% | 0.75% | 0.78% | 0.65% | 0.48% | 0.66% | 0.77% | -1 bps | |
| Return on Equity | 4.79% | 3.62% | 6.41% | 6.36% | 5.35% | 3.99% | 5.47% | 5.96% | -39 bps | |
| Net Interest Margin | 3.83% | 3.38% | 3.35% | 3.48% | 3.44% | 3.11% | 3.17% | 3.39% | -9 bps | |
| Efficiency Ratio | 79.74% | 82.74% | 76.93% | 77.78% | 79.34% | 86.29% | 81.18% | 79.48% | +170 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.00% | 0.00% | 7.48% | 3.70% | 5.81% | 3.65% | 1.69% | -0.01% | -371 bps | |
| Loan Growth (YoY) | -5.92% | -2.55% | -3.81% | -4.03% | 1.95% | -1.17% | 0.38% | 0.62% | +466 bps | |
| Share Growth (YoY) | -2.86% | -0.42% | 8.11% | 3.58% | 5.80% | 3.31% | 1.15% | -0.84% | -442 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.00% | 0.00% | 0.00% | 0.15% | 0.15% | 0.00% | 0.00% | 0 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 | 1.08% | 1.16% | 1.15% | 1.06% | 1.17% | 1.19% | 1.17% | 1.19% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.26% | 11.83% | 11.69% | 12.29% | 12.24% | 12.07% | 12.09% | 12.94% | +66 bps | |
| Net Worth / Assets | 12.26% | 11.83% | 11.69% | 12.29% | 12.24% | 12.07% | 12.09% | 12.94% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.86% | 64.93% | 62.79% | 63.90% | 64.43% | 62.12% | 62.31% | 64.85% | +94 bps | |
| Liquid Assets / Assets | 29.60% | 28.93% | 30.82% | 33.37% | 33.79% | 35.95% | 35.94% | 33.72% | +36 bps | |