Kewanee, IL · Cert 29611
FDIC · 3 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Kewanee, IL · Cert 29611
FDIC · 3 branches
Q4 2015
Market Position · Davenport-Moline-Rock Island, IA-IL · 2015 SOD (annual) · 0.7% share · #28 of 38 inst. · $0.1B of $7.5B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | -0.53% | -0.44% | -0.33% | -0.05% | -0.28% | -0.33% | -0.34% | -1 bps | |
| Return on Equity | 0.27% | -4.96% | -4.03% | -3.05% | -0.46% | -2.49% | -2.97% | -3.06% | -1 bps | |
| Net Interest Margin | 2.80% | 2.82% | 2.87% | 2.90% | 2.68% | 2.66% | 2.67% | 2.71% | -19 bps | |
| Efficiency Ratio | 96.30% | 99.81% | 101.84% | 103.66% | 103.03% | 109.33% | 111.67% | 116.04% | +1,238 bps | |
| Non-Interest Burden | 2.68% | 2.81% | 2.93% | 3.02% | 2.77% | 2.91% | 2.99% | 3.16% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.23% | -6.85% | -7.61% | -6.92% | -6.07% | -5.06% | -4.16% | -6.45% | +48 bps | |
| Loan Growth (YoY) | -9.29% | -8.39% | -9.99% | -9.72% | -10.09% | -10.81% | -5.50% | -8.83% | +89 bps | |
| Deposit Growth (YoY) | -5.78% | -7.37% | -8.07% | -7.22% | -6.32% | -5.35% | -4.25% | -6.69% | +53 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 1.43% | 1.05% | 0.80% | 0.29% | 0.25% | 0.17% | 0.32% | -47 bps | |
| Allowance / Loans | 1.71% | 1.73% | 1.84% | 1.86% | 1.82% | 1.87% | 1.87% | 1.97% | +11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 10.96% | 10.92% | 10.95% | 11.14% | n/a | |
| Total Risk-Based Capital | 27.73% | 26.97% | 28.49% | 28.65% | 30.61% | 31.29% | 30.85% | 31.68% | +303 bps | |
| Equity / Assets | 10.67% | 10.79% | 11.06% | 11.13% | 10.94% | 11.10% | 11.22% | 11.33% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.81% | 45.58% | 44.57% | 44.43% | 43.00% | 42.95% | 43.99% | 43.40% | -102 bps | |
| Liquid Assets / Assets | 44.43% | 42.81% | 43.97% | 45.25% | 47.30% | 46.81% | 44.26% | 52.25% | +700 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |