Davenport, IA · Charter 65262
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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 65262
Q2 2002
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 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.59% | 2.06% | 1.10% | 0.57% | 0.21% | -1.53% | -0.33% | -143 bps | |
| Return on Equity | n/a | 5.13% | 18.25% | 9.81% | 5.20% | 1.98% | -14.85% | -3.12% | -1,293 bps | |
| Net Interest Margin | 5.35% | 5.19% | 5.77% | 5.23% | 4.86% | 4.60% | 4.15% | 4.10% | -114 bps | |
| Efficiency Ratio | 82.61% | 84.02% | 73.36% | 84.68% | 81.62% | 82.29% | 108.00% | 101.27% | +1,659 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.26% | -8.92% | 0.59% | 1.31% | 9.59% | 12.03% | 2.79% | -0.30% | -161 bps | |
| Loan Growth (YoY) | 3.61% | -0.85% | -2.44% | -6.00% | -12.32% | -14.06% | -15.73% | -11.99% | -599 bps | |
| Share Growth (YoY) | -13.80% | -2.21% | -0.37% | 2.35% | 9.80% | 14.31% | 3.86% | 0.15% | -220 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.74% | 2.47% | 2.10% | 2.06% | 4.05% | 4.17% | 3.85% | 3.18% | +112 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 | 1.31% | 1.41% | 1.47% | 1.46% | 1.56% | 2.13% | 2.36% | 1.80% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 11.52% | 11.29% | 11.21% | 10.90% | 10.49% | 10.31% | 10.74% | -47 bps | |
| Net Worth / Assets | n/a | 11.52% | 11.29% | 11.21% | 10.90% | 10.49% | 10.31% | 10.74% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.85% | 97.44% | 86.81% | 84.30% | 78.14% | 73.26% | 70.44% | 74.08% | -1,022 bps | |
| Liquid Assets / Assets | 1.34% | 8.57% | 17.03% | 19.96% | 24.95% | 29.22% | 31.08% | 28.58% | +862 bps | |