Dubuque, IA · Charter 65286
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | -0.11% | 0.19% | -0.19% | -0.61% | -0.71% | 0.35% | 0.34% | +54 bps | |
| Return on Equity | -0.11% | -0.42% | 0.69% | -0.71% | -2.23% | -2.46% | 1.15% | 1.05% | +176 bps | |
| Net Interest Margin | 2.31% | 2.43% | 2.36% | 2.10% | 1.95% | 1.97% | 2.90% | 3.02% | +92 bps | |
| Efficiency Ratio | 101.31% | 99.52% | 92.09% | 109.26% | 131.14% | 135.94% | 88.00% | 88.68% | -2,058 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.59% | 3.67% | 5.11% | 4.64% | 1.79% | -7.65% | -11.72% | -17.48% | -2,211 bps | |
| Loan Growth (YoY) | -4.94% | -36.09% | -51.66% | -56.11% | -24.49% | -11.76% | 10.17% | 18.59% | +7,470 bps | |
| Share Growth (YoY) | 1.76% | 5.32% | 6.68% | 6.43% | 2.79% | -10.08% | -15.27% | -23.54% | -2,997 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.64% | 1.58% | 1.73% | 1.44% | 0.82% | 0.77% | 0.20% | 0.21% | -122 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 | 4.23% | 5.72% | 7.43% | 8.43% | 5.61% | 6.48% | 6.74% | 7.11% | -132 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.73% | 26.81% | 27.20% | 27.37% | 27.24% | 28.89% | 30.11% | 32.66% | +529 bps | |
| Net Worth / Assets | 27.73% | 26.81% | 27.20% | 27.37% | 27.24% | 28.89% | 30.11% | 32.66% | +529 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.97% | 16.98% | 13.03% | 11.64% | 17.61% | 16.67% | 16.94% | 18.05% | +641 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |