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 (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 | 0.86% | 0.67% | 0.52% | 0.43% | 1.64% | 1.36% | 0.16% | 0.44% | +1 bps | |
| Return on Equity | 5.82% | 4.53% | 3.63% | 2.93% | 11.04% | 9.02% | 1.02% | 2.73% | -20 bps | |
| Net Interest Margin | 3.87% | 3.84% | 3.82% | 3.89% | 3.77% | 3.79% | 3.78% | 3.81% | -8 bps | |
| Efficiency Ratio | 81.01% | 82.38% | 87.38% | 87.57% | 69.02% | 74.10% | 94.81% | 88.39% | +81 bps | |
| Non-Interest Burden | 3.02% | 3.06% | 3.28% | 3.34% | 2.03% | 2.42% | 3.57% | 3.33% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.42% | 2.26% | 7.32% | 2.23% | 0.42% | -1.89% | -2.99% | -0.59% | -282 bps | |
| Loan Growth (YoY) | 10.83% | 13.35% | 7.78% | -1.33% | -6.19% | -6.98% | -3.48% | 5.08% | +641 bps | |
| Deposit Growth (YoY) | 2.83% | 0.36% | 7.00% | 3.80% | 2.67% | 1.41% | -3.83% | -1.83% | -564 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 3.42% | 3.48% | 3.39% | 4.32% | 1.93% | 1.03% | -245 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.30% | 0.00% | -0.06% | -0.06% | -0.05% | 1.29% | 0.92% | +98 bps | |
| Allowance / Loans | 3.09% | 3.04% | 3.15% | 3.35% | 1.84% | 1.83% | 1.50% | 1.31% | -204 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.9x | 1.0x | 0.5x | 0.4x | 0.8x | 1.3x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.61% | 14.44% | 14.70% | 14.90% | 15.65% | 15.87% | 16.10% | 16.16% | +127 bps | |
| Total Risk-Based Capital | 27.34% | 26.80% | 25.21% | 25.97% | 27.08% | 27.83% | 27.08% | 26.72% | +75 bps | |
| Equity / Assets | 14.79% | 14.53% | 14.40% | 14.87% | 15.75% | 16.04% | 15.82% | 15.96% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.75% | 89.56% | 81.09% | 78.61% | 79.27% | 82.15% | 81.39% | 84.15% | +554 bps | |
| Liquid Assets / Assets | 13.45% | 13.04% | 13.99% | 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 | n/a | n/a | n/a |