Poplar Grove, IL · Cert 16483
FDIC · 2 branches
Q2 2020
Market Position · Rockford, IL · 2020 SOD (annual) · 0.9% share · #17 of 24 inst. · $0.1B of $7.1B
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.92% | 1.64% | 1.88% | 2.12% | 2.09% | 1.35% | 1.17% | 1.48% | -64 bps | |
| Return on Equity | 7.61% | 6.45% | 7.17% | 7.98% | 7.82% | 5.48% | 7.77% | 9.78% | +179 bps | |
| Net Interest Margin | 3.19% | 3.14% | 3.24% | 3.36% | 3.34% | 3.39% | 3.06% | 3.23% | -13 bps | |
| Efficiency Ratio | 46.60% | 54.23% | 48.91% | 45.17% | 45.51% | 64.85% | 63.29% | 51.02% | +585 bps | |
| Non-Interest Burden | 1.24% | 1.49% | 1.37% | 1.27% | 1.24% | 1.93% | 1.69% | 1.38% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.46% | -4.77% | 1.42% | 2.06% | 2.42% | -6.40% | -9.10% | -4.16% | -622 bps | |
| Loan Growth (YoY) | 3.75% | -0.89% | -2.70% | 0.57% | -3.50% | -5.17% | 30.89% | 11.36% | +1,079 bps | |
| Deposit Growth (YoY) | 1.55% | -7.33% | -0.33% | -0.08% | -0.03% | 8.42% | 0.15% | 5.78% | +586 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.96% | 3.42% | 3.22% | 3.45% | 0.41% | 0.00% | 0.38% | -284 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.80% | 0.82% | 0.82% | 0.78% | 0.83% | 0.00% | 0.09% | 0.20% | -58 bps | |
| Allowance Coverage of NPLs | n/a | 0.9x | 0.2x | 0.2x | 0.2x | 0.0x | n/a | 0.5x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 26.16% | 25.68% | 25.86% | 26.04% | 26.79% | 9.78% | 11.59% | 11.89% | -1,415 bps | |
| Total Risk-Based Capital | 56.73% | 56.77% | 57.57% | 56.39% | 61.20% | 23.18% | 18.64% | 11.89% | -4,450 bps | |
| Equity / Assets | 25.72% | 26.18% | 26.33% | 27.05% | 27.42% | 15.03% | 14.99% | 15.29% | -1,176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.55% | 42.57% | 41.22% | 44.10% | 41.08% | 37.23% | 53.87% | 46.43% | +232 bps | |
| Liquid Assets / Assets | 9.55% | 8.21% | 8.68% | 7.29% | 12.46% | 10.12% | 0.30% | 13.08% | +579 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |