Davenport, IA · Charter 65549
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | -5.86% | -3.72% | -2.85% | -0.20% | -0.99% | -0.44% | -6.14% | -329 bps | |
| Return on Equity | 1.49% | -89.76% | -54.51% | -40.04% | -2.83% | -14.85% | -6.39% | -316% | -27,577 bps | |
| Net Interest Margin | 2.61% | 2.70% | 2.87% | 2.86% | 2.59% | 2.88% | 2.97% | -1.00% | -386 bps | |
| Efficiency Ratio | 94.87% | 95.38% | 88.31% | 91.74% | 107.66% | 108.03% | 97.67% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.36% | 15.25% | 4.59% | -1.29% | -7.53% | -3.23% | -3.75% | -12.07% | -1,078 bps | |
| Loan Growth (YoY) | 17.33% | -22.24% | -24.93% | -25.88% | -12.93% | -1.49% | -5.45% | -13.18% | +1,269 bps | |
| Share Growth (YoY) | 25.39% | 21.50% | 9.25% | 2.89% | -5.33% | -3.05% | -3.60% | -7.04% | -993 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.05% | 3.51% | 0.57% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.65% | 11.19% | 8.51% | 8.73% | 1.31% | 2.33% | 2.58% | 3.07% | -566 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.99% | 6.53% | 6.83% | 7.11% | 7.04% | 6.64% | 6.96% | 1.94% | -516 bps | |
| Net Worth / Assets | 8.99% | 6.53% | 6.83% | 7.11% | 7.04% | 6.64% | 6.96% | 1.94% | -516 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.98% | 47.30% | 48.20% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |