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Mwabank

Rock Island, IL · Cert 57366

FDIC · 1 branch

Q4 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2018, the quarter ended December 31, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mwabank

Rock Island, IL · Cert 57366

FDIC · 1 branch

Q4 2018

$314.8MAssets
$249.3MLoans
$219.1MDeposits
$25.0MEquity
Loan mix
97%RE $230.5M1%C&I $2.4M2%Consumer $5.0MQ4 2017Q4 2018
Deposit mix
98%Interest-bearing $214.6M2%Noninterest $4.5MQ4 2017Q4 2018

NIM

3.25%Q4 ’163.07%Q4 ’173.16%Q4 ’18-9%-4%

Non-interest income vs. expense

3.02%Q4 ’162.99%Q4 ’172.59%Q4 ’180%-14%

Market Position · Davenport-Moline-Rock Island, IA-IL · 2018 SOD (annual) · 2.7% share · #10 of 35 inst. · $0.2B of $8.2B

Executive Summary

  • Earnings: ROA of 0.14%, up 215 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.78% of loans (+12 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 8.31%, down 29 bps from a year ago.
  • Funding: loans stand at 113.80% of deposits as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

0.14%+215 bps YoY

Net Interest Margin (YTD, annualized)

2.38%-9 bps YoY

Efficiency Ratio (YTD, annualized)

96.53%-982 bps YoY

Tier 1 Leverage Ratio

8.31%-29 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets-2.01%0.01%0.02%0.03%0.14%+215 bps
Return on Equity-19.65%0.10%0.24%0.43%1.69%+2,134 bps
Net Interest Margin2.47%2.53%2.47%2.35%2.38%-9 bps
Efficiency Ratio106.35%103.13%102.15%100.63%96.53%-982 bps
Non-Interest Burden2.65%2.62%2.52%2.37%2.29%-36 bps
Growth
Asset Growth (YoY)1.79%0.60%5.03%7.65%9.31%+751 bps
Loan Growth (YoY)6.11%8.42%13.30%17.18%15.38%+926 bps
Deposit Growth (YoY)-0.51%-5.37%-2.52%-4.98%-1.05%-54 bps
Asset Quality
Nonperforming Loans / Loans0.66%0.61%0.60%0.64%0.78%+12 bps
Net Charge-Offs / Loans0.03%-0.06%-0.03%-0.01%-0.01%-4 bps
Allowance / Loans0.43%0.43%0.38%0.36%0.36%-7 bps
Allowance Coverage of NPLs0.6x0.7x0.6x0.6x0.5x-0.2x
Capital
Tier 1 Leverage Ratio8.60%8.88%8.66%8.20%8.31%-29 bps
Total Risk-Based Capital19.45%19.22%17.95%16.69%17.21%-225 bps
Equity / Assets8.64%8.39%7.93%7.51%7.93%-71 bps
Liquidity & Funding
Loans / Deposits97.59%101.55%105.82%115.45%113.80%+1,620 bps
Liquid Assets / Assets1.11%0.52%1.27%1.47%1.92%+80 bps
CRE / Total Capitaln/an/an/an/an/an/an/a