Marcus, IA · Cert 15431
FDIC · 3 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 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.
Marcus, IA · Cert 15431
FDIC · 3 branches
Q2 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | -0.14% | -0.41% | -0.26% | -0.15% | -0.18% | -0.83% | -2.29% | -203 bps | |
| Return on Equity | -0.73% | -1.37% | -3.96% | -2.48% | -1.40% | -1.75% | -7.89% | -22.30% | -1,983 bps | |
| Net Interest Margin | 2.99% | 2.86% | 2.72% | 2.84% | 2.80% | 2.80% | 3.83% | 3.50% | +66 bps | |
| Efficiency Ratio | 88.50% | 98.08% | 111.81% | 107.84% | 102.10% | 105.26% | 99.18% | 111.26% | +342 bps | |
| Non-Interest Burden | 2.58% | 2.80% | 3.07% | 3.09% | 2.86% | 2.96% | 3.80% | 3.93% | +85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.23% | -8.92% | -6.50% | 2.38% | 0.20% | 3.71% | -2.55% | -13.87% | -1,624 bps | |
| Loan Growth (YoY) | -0.04% | -2.43% | -10.72% | -11.44% | -12.98% | -11.99% | -7.66% | -5.02% | +642 bps | |
| Deposit Growth (YoY) | -6.84% | -6.48% | -6.88% | 2.93% | 2.37% | 4.70% | -3.51% | -14.86% | -1,779 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 4.59% | 4.46% | 3.19% | 2.74% | 1.52% | 4.00% | -46 bps | |
| Net Charge-Offs / Loans | 2.54% | 1.94% | 0.13% | 0.12% | 0.08% | 0.07% | -0.38% | -0.74% | -86 bps | |
| Allowance / Loans | 2.04% | 2.00% | 2.19% | 2.25% | 2.30% | 2.24% | 2.43% | 2.73% | +48 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.5x | 0.5x | 0.7x | 0.8x | 1.6x | 0.7x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.43% | 10.19% | 10.32% | 10.45% | 10.22% | 10.06% | 10.20% | 9.68% | -77 bps | |
| Total Risk-Based Capital | 16.72% | 16.48% | 16.78% | 16.60% | 17.48% | 17.00% | 18.59% | 18.50% | +191 bps | |
| Equity / Assets | 11.14% | 10.14% | 10.65% | 10.12% | 10.52% | 9.70% | 11.39% | 9.73% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.60% | 54.10% | 50.16% | 44.39% | 46.41% | 45.48% | 48.00% | 49.53% | +513 bps | |
| Liquid Assets / Assets | 1.53% | 1.53% | 1.55% | 1.45% | 1.54% | 0.96% | 10.40% | 25.95% | +2,449 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |