Rock Island, IL · Cert 57366
FDIC · 1 branch
Q4 2018
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Rock Island, IL · Cert 57366
FDIC · 1 branch
Q4 2018
Market Position · Davenport-Moline-Rock Island, IA-IL · 2018 SOD (annual) · 2.7% share · #10 of 35 inst. · $0.2B 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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | -0.16% | -0.15% | -2.01% | 0.01% | 0.02% | 0.03% | 0.14% | +215 bps | |
| Return on Equity | -1.68% | -1.48% | -1.39% | -19.65% | 0.10% | 0.24% | 0.43% | 1.69% | +2,134 bps | |
| Net Interest Margin | 2.54% | 2.54% | 2.53% | 2.47% | 2.53% | 2.47% | 2.35% | 2.38% | -9 bps | |
| Efficiency Ratio | 109.90% | 108.56% | 107.95% | 106.35% | 103.13% | 102.15% | 100.63% | 96.53% | -982 bps | |
| Non-Interest Burden | 2.78% | 2.75% | 2.72% | 2.65% | 2.62% | 2.52% | 2.37% | 2.29% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.89% | 7.10% | 6.62% | 1.79% | 0.60% | 5.03% | 7.65% | 9.31% | +751 bps | |
| Loan Growth (YoY) | -7.31% | -3.64% | 2.80% | 6.11% | 8.42% | 13.30% | 17.18% | 15.38% | +926 bps | |
| Deposit Growth (YoY) | 1.55% | 4.86% | 4.45% | -0.51% | -5.37% | -2.52% | -4.98% | -1.05% | -54 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.80% | 0.78% | 0.69% | 0.66% | 0.61% | 0.60% | 0.64% | 0.78% | +12 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | 0.02% | 0.03% | -0.06% | -0.03% | -0.01% | -0.01% | -4 bps | |
| Allowance / Loans | 0.47% | 0.46% | 0.44% | 0.43% | 0.43% | 0.38% | 0.36% | 0.36% | -7 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.6x | 0.6x | 0.7x | 0.6x | 0.6x | 0.5x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.08% | 9.04% | 8.91% | 8.60% | 8.88% | 8.66% | 8.20% | 8.31% | -29 bps | |
| Total Risk-Based Capital | 20.67% | 20.14% | 19.80% | 19.45% | 19.22% | 17.95% | 16.69% | 17.21% | -225 bps | |
| Equity / Assets | 10.63% | 10.60% | 10.36% | 8.64% | 8.39% | 7.93% | 7.51% | 7.93% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.63% | 91.04% | 93.61% | 97.59% | 101.55% | 105.82% | 115.45% | 113.80% | +1,620 bps | |
| Liquid Assets / Assets | 1.71% | 1.30% | 1.83% | 1.11% | 0.52% | 1.27% | 1.47% | 1.92% | +80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |