Andalusia, IL · Cert 22959
FDIC · 2 branches
Q2 2018
Market Position · Davenport-Moline-Rock Island, IA-IL · 2018 SOD (annual) · 0.4% share · #29 of 35 inst. · $0.0B of $8.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 4.10% | 0.50% | 0.16% | 0.71% | +38 bps | |
| Return on Equity | 2.24% | 26.75% | 3.17% | 1.02% | 4.46% | +222 bps | |
| Net Interest Margin | 3.91% | 3.66% | 3.81% | 3.78% | 3.87% | -5 bps | |
| Efficiency Ratio | 87.75% | 49.20% | 94.13% | 94.81% | 82.68% | -507 bps | |
| Non-Interest Burden | 3.35% | -0.47% | 3.56% | 3.57% | 3.10% | -25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.23% | 0.42% | -1.89% | -2.99% | -0.59% | -282 bps | |
| Loan Growth (YoY) | -1.33% | -6.19% | -6.98% | -3.48% | 5.08% | +641 bps | |
| Deposit Growth (YoY) | 3.80% | 2.67% | 1.41% | -3.83% | -1.83% | -564 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.48% | 3.39% | 4.32% | 1.93% | 1.03% | -245 bps | |
| Net Charge-Offs / Loans | -0.12% | -0.05% | -0.03% | 1.29% | 0.59% | +71 bps | |
| Allowance / Loans | 3.35% | 1.84% | 1.83% | 1.50% | 1.31% | -204 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.5x | 0.4x | 0.8x | 1.3x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.90% | 15.65% | 15.87% | 16.10% | 16.16% | +127 bps | |
| Total Risk-Based Capital | 25.97% | 27.08% | 27.83% | 27.08% | 26.72% | +75 bps | |
| Equity / Assets | 14.87% | 15.75% | 16.04% | 15.82% | 15.96% | +109 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.61% | 79.27% | 82.15% | 81.39% | 84.15% | +554 bps | |
| Liquid Assets / Assets | 12.78% | 14.36% | 19.65% | 16.69% | 15.50% | +272 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |