Dubuque, IA · Charter 65201
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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 65201
Q3 2012
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.60% | -0.69% | 0.59% | 0.40% | -0.12% | +48 bps | |
| Return on Equity | -1.89% | -2.16% | 1.84% | 1.18% | -0.34% | +155 bps | |
| Net Interest Margin | 2.70% | 2.60% | 3.50% | 3.37% | 3.05% | +35 bps | |
| Efficiency Ratio | 122.38% | 126.67% | 83.05% | 88.09% | 103.92% | -1,846 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.34% | -4.84% | -1.15% | -8.16% | -10.99% | -765 bps | |
| Loan Growth (YoY) | 12.14% | -14.00% | 12.59% | -11.92% | -17.69% | -2,983 bps | |
| Share Growth (YoY) | -4.64% | -6.69% | -0.90% | -11.34% | -15.68% | -1,104 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.59% | 5.94% | 5.47% | 6.69% | 6.79% | +120 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.96% | 32.11% | 32.18% | 33.97% | 35.55% | +359 bps | |
| Net Worth / Assets | 31.96% | 32.11% | 32.18% | 33.97% | 35.55% | +359 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.38% | 36.64% | 39.73% | 35.22% | 37.47% | -91 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |