Davenport, IA · Cert 35109
FDIC · 6 branches
Q3 2023
Market Position · Davenport-Moline-Rock Island, IA-IL · 2023 SOD (annual) · 2.1% share · #13 of 31 inst. · $0.2B of $10.0B
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.86% | 1.09% | 1.10% | 1.10% | +33 bps | |
| Return on Equity | 9.25% | 10.44% | 13.24% | 13.47% | 13.66% | +441 bps | |
| Net Interest Margin | 3.27% | 3.50% | 3.88% | 3.83% | 3.76% | +49 bps | |
| Efficiency Ratio | 74.78% | 72.70% | 68.86% | 69.17% | 69.22% | -556 bps | |
| Non-Interest Burden | 2.20% | 2.28% | 2.41% | 2.37% | 2.32% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.93% | -9.69% | -5.84% | -5.32% | -3.26% | +168 bps | |
| Loan Growth (YoY) | -3.72% | 4.38% | 12.49% | 9.35% | 10.95% | +1,467 bps | |
| Deposit Growth (YoY) | -0.04% | -6.30% | -4.45% | -5.97% | -2.89% | -285 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.43% | 0.42% | 0.39% | 0.36% | 0.29% | -14 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.06% | 0.01% | 0.04% | 0.02% | +1 bps | |
| Allowance / Loans | 1.43% | 1.33% | 1.30% | 1.29% | 1.26% | -17 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.2x | 3.4x | 3.6x | 4.3x | +1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.23% | 9.87% | 9.90% | 9.85% | 10.03% | +80 bps | |
| Total Risk-Based Capital | 12.64% | 12.75% | 12.25% | 12.24% | 14.02% | +139 bps | |
| Equity / Assets | 7.46% | 8.18% | 8.33% | 7.97% | 7.69% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.53% | 84.50% | 85.70% | 86.64% | 89.72% | +1,119 bps | |
| Liquid Assets / Assets | 11.36% | 7.06% | 5.81% | 6.51% | 3.35% | -802 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |