PackageTrendsPeer
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Bank of Carbondale, The

Carbondale, IL · Cert 10828

FDIC · 5 branches

Q2 2022

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: Q2 2022, the quarter ended June 30, 2022, 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

Bank of Carbondale, The

Carbondale, IL · Cert 10828

FDIC · 5 branches

Q2 2022

$268.9MAssets
$119.6MLoans
$240.4MDeposits
$26.2MEquity
Loan mix
80%RE $80.7M16%C&I $16.2M4%Consumer $4.0MQ2 2021Q2 2022
Deposit mix
80%Interest-bearing $191.9M20%Noninterest $48.5MQ2 2021Q2 2022

NIM

3.22%Q2 ’202.35%Q2 ’212.19%Q2 ’22-26%-4%

Non-interest income vs. expense

1.96%Q2 ’201.68%Q2 ’211.97%Q2 ’22-27%+55%

Market Position · Carbondale-Marion, IL · 2022 SOD (annual) · 7.6% share · #5 of 19 inst. · $0.2B of $3.2B

19.1% Jackson
0.4% Williamson

Executive Summary

  • Earnings: ROA of 0.50%, down 93 bps year over year; NIM at 2.07%.
  • Asset quality: problem loans at 1.04% of loans (-400 bps YoY), with net recoveries of 0.21%.
  • Capital: tier 1 leverage ratio of 6.41%, down 631 bps from a year ago.
  • Funding: loans stand at 49.74% of deposits as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

0.50%-93 bps YoY

Net Interest Margin (YTD, annualized)

2.07%-10 bps YoY

Efficiency Ratio (YTD, annualized)

81.11%+2,211 bps YoY

Tier 1 Leverage Ratio

6.41%-631 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets1.43%1.27%0.86%0.91%0.50%-93 bps
Return on Equity11.29%10.06%6.80%7.13%4.25%-705 bps
Net Interest Margin2.17%2.22%2.18%1.81%2.07%-10 bps
Efficiency Ratio59.00%58.36%56.76%71.71%81.11%+2,211 bps
Non-Interest Burden1.00%0.99%0.97%1.19%1.55%+55 bps
Growth
Asset Growth (YoY)4.80%7.97%5.22%2.81%-1.22%-602 bps
Loan Growth (YoY)-12.02%-9.29%-9.67%-10.99%-9.47%+255 bps
Deposit Growth (YoY)4.71%8.58%5.71%2.25%3.96%-75 bps
Asset Quality
Nonperforming Loans / Loans5.04%4.69%1.43%1.41%1.04%-400 bps
Net Charge-Offs / Loans0.00%0.02%0.02%-0.40%-0.21%-21 bps
Allowance / Loans1.70%1.67%0.83%0.69%0.00%-170 bps
Allowance Coverage of NPLs0.3x0.4x0.6x0.5x0.0x-0.3x
Capital
Tier 1 Leverage Ratio12.72%13.16%12.35%12.82%6.41%-631 bps
Total Risk-Based Capital12.72%13.16%12.35%12.82%12.53%-20 bps
Equity / Assets12.98%12.67%12.75%12.67%9.73%-325 bps
Liquidity & Funding
Loans / Deposits57.11%55.39%52.43%50.91%49.74%-738 bps
Liquid Assets / Assets12.03%5.96%30.79%31.69%45.01%+3,298 bps
CRE / Total Capitaln/an/an/an/an/an/an/a