Rembrandt, IA · Cert 13841
FDIC · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Rembrandt, IA · Cert 13841
FDIC · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.10% | 1.10% | 0.80% | 0.47% | 1.12% | 1.24% | 1.14% | +34 bps | |
| Return on Equity | 5.47% | 5.84% | 5.76% | 4.13% | 2.43% | 5.71% | 6.19% | 5.59% | +145 bps | |
| Net Interest Margin | 2.83% | 2.80% | 2.88% | 2.93% | 2.78% | 2.65% | 2.91% | 2.91% | -1 bps | |
| Efficiency Ratio | 44.73% | 40.56% | 37.19% | 42.32% | 51.57% | 42.49% | 41.17% | 46.39% | +406 bps | |
| Non-Interest Burden | 1.22% | 0.99% | 0.97% | 1.17% | 1.39% | 1.04% | 1.19% | 1.34% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.87% | -4.07% | -6.13% | -6.73% | -2.34% | -2.55% | -3.28% | -4.01% | +272 bps | |
| Loan Growth (YoY) | -1.36% | -4.43% | -0.79% | -0.16% | -0.92% | -6.46% | -12.62% | -13.36% | -1,321 bps | |
| Deposit Growth (YoY) | -6.71% | -5.93% | -8.36% | -8.94% | -3.25% | -3.28% | -4.53% | -5.73% | +321 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.71% | 1.00% | 2.56% | 6.92% | 4.34% | 3.79% | 3.54% | +97 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.28% | 0.17% | 0.81% | 0.61% | 0.52% | -0.20% | -0.09% | -89 bps | |
| Allowance / Loans | 1.39% | 1.48% | 1.53% | 1.42% | 1.85% | 2.04% | 2.35% | 2.31% | +89 bps | |
| Allowance Coverage of NPLs | n/a | 2.1x | 1.5x | 0.6x | 0.3x | 0.5x | 0.6x | 0.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.27% | 18.94% | 19.50% | 20.07% | 19.81% | 19.72% | 20.69% | 21.29% | +123 bps | |
| Total Risk-Based Capital | 29.48% | 32.28% | 31.63% | 31.55% | 30.12% | 35.54% | 37.34% | 37.93% | +638 bps | |
| Equity / Assets | 18.48% | 19.02% | 19.68% | 20.18% | 19.40% | 19.96% | 20.84% | 21.71% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.12% | 75.14% | 79.71% | 82.97% | 81.02% | 72.66% | 72.96% | 76.25% | -672 bps | |
| Liquid Assets / Assets | 14.75% | 18.20% | 16.16% | 15.88% | 16.18% | 25.80% | 27.93% | 26.85% | +1,097 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |