Davenport, IA · Charter 65549
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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 65549
Q4 2013
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.85% | -0.20% | -0.99% | -0.44% | -6.14% | -329 bps | |
| Return on Equity | -40.04% | -2.83% | -14.85% | -6.39% | -316% | -27,577 bps | |
| Net Interest Margin | 2.86% | 2.59% | 2.88% | 2.97% | -1.00% | -386 bps | |
| Efficiency Ratio | 91.74% | 107.66% | 108.03% | 97.67% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -1.29% | -7.53% | -3.23% | -3.75% | -12.07% | -1,078 bps | |
| Loan Growth (YoY) | -25.88% | -12.93% | -1.49% | -5.45% | -13.18% | +1,269 bps | |
| Share Growth (YoY) | 2.89% | -5.33% | -3.05% | -3.60% | -7.04% | -993 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.84% | 0.00% | 0.00% | 0.00% | 0.00% | -984 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.73% | 1.31% | 2.33% | 2.58% | 3.07% | -566 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.11% | 7.04% | 6.64% | 6.96% | 1.94% | -516 bps | |
| Net Worth / Assets | 7.11% | 7.04% | 6.64% | 6.96% | 1.94% | -516 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.80% | 48.73% | 48.05% | 47.27% | 42.77% | -303 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |