Carbondale, IL · Cert 10828
FDIC · 5 branches
Q2 2022
Market Position · Carbondale-Marion, IL · 2022 SOD (annual) · 7.6% share · #5 of 19 inst. · $0.2B of $3.2B
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.12% | 1.05% | 1.43% | 1.27% | 0.86% | 0.91% | 0.50% | -93 bps | |
| Return on Equity | 8.77% | 8.66% | 8.42% | 11.29% | 10.06% | 6.80% | 7.13% | 4.25% | -705 bps | |
| Net Interest Margin | 2.79% | 2.70% | 2.44% | 2.17% | 2.22% | 2.18% | 1.81% | 2.07% | -10 bps | |
| Efficiency Ratio | 56.29% | 56.27% | 53.33% | 59.00% | 58.36% | 56.76% | 71.71% | 81.11% | +2,211 bps | |
| Non-Interest Burden | 1.30% | 1.22% | 0.95% | 1.00% | 0.99% | 0.97% | 1.19% | 1.55% | +55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.26% | 8.29% | 19.25% | 4.80% | 7.97% | 5.22% | 2.81% | -1.22% | -602 bps | |
| Loan Growth (YoY) | 0.44% | -3.17% | -1.68% | -12.02% | -9.29% | -9.67% | -10.99% | -9.47% | +255 bps | |
| Deposit Growth (YoY) | 3.69% | 5.95% | 19.65% | 4.71% | 8.58% | 5.71% | 2.25% | 3.96% | -75 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.39% | 5.23% | 5.13% | 5.04% | 4.69% | 1.43% | 1.41% | 1.04% | -400 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.07% | 0.00% | 0.00% | 0.02% | 0.02% | -0.40% | -0.21% | -21 bps | |
| Allowance / Loans | 2.29% | 2.46% | 2.53% | 1.70% | 1.67% | 0.83% | 0.69% | 0.00% | -170 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.5x | 0.3x | 0.4x | 0.6x | 0.5x | 0.0x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.80% | 12.83% | 12.54% | 12.72% | 13.16% | 12.35% | 12.82% | 6.41% | -631 bps | |
| Total Risk-Based Capital | 12.80% | 12.83% | 12.54% | 12.72% | 13.16% | 12.35% | 12.82% | 12.53% | -20 bps | |
| Equity / Assets | 12.89% | 12.90% | 12.03% | 12.98% | 12.67% | 12.75% | 12.67% | 9.73% | -325 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.29% | 61.35% | 58.49% | 57.11% | 55.39% | 52.43% | 50.91% | 49.74% | -738 bps | |
| Liquid Assets / Assets | 7.46% | 3.53% | 7.04% | 12.03% | 5.96% | 30.79% | 31.69% | 45.01% | +3,298 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |