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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 1.24% | 1.26% | 1.02% | 0.91% | -16 bps | |
| Return on Equity | 4.58% | 6.39% | 6.27% | 5.05% | 4.95% | +37 bps | |
| Net Interest Margin | 2.14% | 1.88% | 1.94% | 1.82% | 1.68% | -46 bps | |
| Efficiency Ratio | 36.38% | 34.03% | 31.95% | 38.70% | 39.52% | +314 bps | |
| Non-Interest Burden | 0.77% | 0.63% | 0.62% | 0.70% | 0.66% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.25% | 0.36% | -0.91% | 0.90% | 2.13% | -312 bps | |
| Loan Growth (YoY) | 18.48% | 12.70% | 5.95% | -28.29% | -38.17% | -5,665 bps | |
| Deposit Growth (YoY) | 10.42% | 7.64% | 3.82% | 6.65% | 10.84% | +42 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.37% | 1.98% | 2.06% | 0.00% | 0.00% | -37 bps | |
| Net Charge-Offs / Loans | -0.87% | 0.00% | 0.00% | -0.39% | -0.33% | +54 bps | |
| Allowance / Loans | 1.90% | 1.90% | 1.99% | 3.01% | 3.40% | +150 bps | |
| Allowance Coverage of NPLs | 5.1x | 1.0x | 1.0x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.32% | 19.19% | 20.07% | 19.39% | 10.24% | -808 bps | |
| Total Risk-Based Capital | 55.09% | 49.51% | 53.27% | 55.97% | 32.32% | -2,278 bps | |
| Equity / Assets | 19.07% | 19.64% | 21.55% | 20.41% | 11.94% | -713 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 17.19% | 18.47% | 17.88% | 12.05% | 9.59% | -760 bps | |
| Liquid Assets / Assets | 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 |