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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.47% | 2.53% | 2.47% | 2.35% | 2.38% | -9 bps | |
| Efficiency Ratio | 106.35% | 103.13% | 102.15% | 100.63% | 96.53% | -982 bps | |
| Non-Interest Burden | 2.65% | 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 / Loans | 0.66% | 0.61% | 0.60% | 0.64% | 0.78% | +12 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.06% | -0.03% | -0.01% | -0.01% | -4 bps | |
| Allowance / Loans | 0.43% | 0.43% | 0.38% | 0.36% | 0.36% | -7 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.7x | 0.6x | 0.6x | 0.5x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.60% | 8.88% | 8.66% | 8.20% | 8.31% | -29 bps | |
| Total Risk-Based Capital | 19.45% | 19.22% | 17.95% | 16.69% | 17.21% | -225 bps | |
| Equity / Assets | 8.64% | 8.39% | 7.93% | 7.51% | 7.93% | -71 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.59% | 101.55% | 105.82% | 115.45% | 113.80% | +1,620 bps | |
| Liquid Assets / Assets | 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 |