PackageTrendsPeer
Letter portraitLegal landscape

Poplar Grove State Bank, The

Poplar Grove, IL · Cert 16483

FDIC · 2 branches

Q2 2020

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 2020, the quarter ended June 30, 2020, 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

Poplar Grove State Bank, The

Poplar Grove, IL · Cert 16483

FDIC · 2 branches

Q2 2020

$82.5MAssets
$30.4MLoans
$65.6MDeposits
$12.6MEquity
Loan mix
82%RE $19.6M16%C&I $3.8M2%Consumer $0.4MQ2 2019Q2 2020
Deposit mix
80%Interest-bearing $52.2M20%Noninterest $13.3MQ2 2019Q2 2020

NIM

3.29%Q2 ’183.63%Q2 ’193.32%Q2 ’20+6%-4%

Non-interest income vs. expense

1.70%Q2 ’181.72%Q2 ’191.77%Q2 ’20+1%+8%

Market Position · Rockford, IL · 2020 SOD (annual) · 0.9% share · #17 of 24 inst. · $0.1B of $7.1B

Executive Summary

  • Earnings: ROA of 1.48%, down 64 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.38% of loans (-284 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.89%, down 1,415 bps from a year ago.
  • Funding: loans stand at 46.43% of deposits as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

1.48%-64 bps YoY

Net Interest Margin (YTD, annualized)

3.23%-13 bps YoY

Efficiency Ratio (YTD, annualized)

51.02%+585 bps YoY

Tier 1 Leverage Ratio

11.89%-1,415 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets2.12%2.09%1.35%1.17%1.48%-64 bps
Return on Equity7.98%7.82%5.48%7.77%9.78%+179 bps
Net Interest Margin3.36%3.34%3.39%3.06%3.23%-13 bps
Efficiency Ratio45.17%45.51%64.85%63.29%51.02%+585 bps
Non-Interest Burden1.27%1.24%1.93%1.69%1.38%+10 bps
Growth
Asset Growth (YoY)2.06%2.42%-6.40%-9.10%-4.16%-622 bps
Loan Growth (YoY)0.57%-3.50%-5.17%30.89%11.36%+1,079 bps
Deposit Growth (YoY)-0.08%-0.03%8.42%0.15%5.78%+586 bps
Asset Quality
Nonperforming Loans / Loans3.22%3.45%0.41%0.00%0.38%-284 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.78%0.83%0.00%0.09%0.20%-58 bps
Allowance Coverage of NPLs0.2x0.2x0.0xn/a0.5x+0.3x
Capital
Tier 1 Leverage Ratio26.04%26.79%9.78%11.59%11.89%-1,415 bps
Total Risk-Based Capital56.39%61.20%23.18%18.64%11.89%-4,450 bps
Equity / Assets27.05%27.42%15.03%14.99%15.29%-1,176 bps
Liquidity & Funding
Loans / Deposits44.10%41.08%37.23%53.87%46.43%+232 bps
Liquid Assets / Assets7.29%12.46%10.12%0.30%13.08%+579 bps
CRE / Total Capitaln/an/an/an/an/an/an/a