Reynolds, IL · Cert 10080
FDIC · 1 branch
Q4 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2020, the quarter ended December 31, 2020, 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.
Reynolds, IL · Cert 10080
FDIC · 1 branch
Q4 2020
Market Position · Davenport-Moline-Rock Island, IA-IL · 2020 SOD (annual) · 0.9% share · #23 of 32 inst. · $0.1B of $9.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.56% | 1.30% | 1.29% | 1.07% | 1.24% | 1.26% | 1.02% | 0.91% | -16 bps | |
| Return on Equity | 6.48% | 5.31% | 5.24% | 4.58% | 6.39% | 6.27% | 5.05% | 4.95% | +37 bps | |
| Net Interest Margin | 2.29% | 2.34% | 2.25% | 2.14% | 1.88% | 1.94% | 1.82% | 1.68% | -46 bps | |
| Efficiency Ratio | 25.26% | 28.63% | 29.56% | 36.38% | 34.03% | 31.95% | 38.70% | 39.52% | +314 bps | |
| Non-Interest Burden | 0.57% | 0.66% | 0.66% | 0.77% | 0.63% | 0.62% | 0.70% | 0.66% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.63% | 0.18% | 5.15% | 5.25% | 0.36% | -0.91% | 0.90% | 2.13% | -312 bps | |
| Loan Growth (YoY) | 11.47% | 11.14% | 13.58% | 18.48% | 12.70% | 5.95% | -28.29% | -38.17% | -5,665 bps | |
| Deposit Growth (YoY) | -5.00% | -2.97% | 2.18% | 10.42% | 7.64% | 3.82% | 6.65% | 10.84% | +42 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.39% | 0.17% | 0.13% | 0.37% | 1.98% | 2.06% | 0.00% | 0.00% | -37 bps | |
| Net Charge-Offs / Loans | 0.00% | -1.94% | -1.20% | -0.87% | 0.00% | 0.00% | -0.39% | -0.33% | +54 bps | |
| Allowance / Loans | 1.16% | 2.11% | 1.95% | 1.90% | 1.90% | 1.99% | 3.01% | 3.40% | +150 bps | |
| Allowance Coverage of NPLs | 0.5x | 12.1x | 15.4x | 5.1x | 1.0x | 1.0x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 24.44% | 25.27% | 24.63% | 18.32% | 19.19% | 20.07% | 19.39% | 10.24% | -808 bps | |
| Total Risk-Based Capital | 65.72% | 62.70% | 59.89% | 55.09% | 49.51% | 53.27% | 55.97% | 32.32% | -2,278 bps | |
| Equity / Assets | 25.01% | 25.37% | 24.80% | 19.07% | 19.64% | 21.55% | 20.41% | 11.94% | -713 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 17.64% | 17.52% | 17.92% | 17.19% | 18.47% | 17.88% | 12.05% | 9.59% | -760 bps | |
| Liquid Assets / Assets | 4.11% | 8.54% | 12.91% | 15.22% | 13.68% | 15.34% | 27.17% | 31.94% | +1,672 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |