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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -1.10% | -0.23% | -0.01% | -0.05% | -0.50% | -0.44% | -0.37% | -37 bps | |
| Return on Equity | 0.27% | -10.24% | -2.15% | -0.06% | -0.46% | -4.53% | -3.95% | -3.31% | -325 bps | |
| Net Interest Margin | 2.80% | 2.79% | 2.75% | 2.77% | 2.68% | 2.61% | 2.63% | 2.64% | -14 bps | |
| Efficiency Ratio | 96.30% | 103.51% | 106.40% | 109.91% | 103.03% | 116.50% | 116.63% | 129.80% | +1,989 bps | |
| Non-Interest Burden | 2.68% | 2.90% | 2.94% | 3.05% | 2.77% | 3.04% | 3.07% | 3.44% | +39 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% | 2.87% | 0.11% | 0.00% | 0.29% | 0.20% | 0.00% | 0.76% | +76 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 |