PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American Bank of Rock Island

Rock Island, IL · Cert 19862

FDIC

Q4 1998

$181.0MAssets
$99.5MLoans
$151.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.48%, up 69 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 65.63% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

1.48%+69 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets1.64%1.69%0.93%0.79%1.81%1.44%1.39%1.48%+69 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)3.13%7.06%2.90%6.52%8.19%6.69%17.04%14.81%+829 bps
Loan Growth (YoY)6.33%4.76%3.93%1.58%-3.32%-4.88%0.60%11.60%+1,002 bps
Deposit Growth (YoY)6.51%6.47%10.53%8.88%12.98%14.73%16.44%16.43%+755 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits74.92%76.14%73.87%68.47%64.11%63.12%63.82%65.63%-284 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a