Durand, IL · Cert 17713
FDIC · 2 branches
Q4 2021
Market Position · Rockford, IL · 2021 SOD (annual) · 1.5% share · #13 of 23 inst. · $0.1B of $7.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.61% | 0.65% | -1.57% | -0.05% | -48 bps | |
| Return on Equity | 3.91% | 5.86% | 6.45% | -13.90% | -0.41% | -432 bps | |
| Net Interest Margin | 2.15% | 2.50% | 2.42% | 2.33% | 2.33% | +19 bps | |
| Efficiency Ratio | 82.26% | 74.83% | 70.86% | 146.58% | 102.00% | +1,974 bps | |
| Non-Interest Burden | 1.70% | 1.80% | 1.64% | 3.45% | 2.29% | +60 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.69% | 23.00% | 11.19% | 17.28% | 12.66% | -103 bps | |
| Loan Growth (YoY) | -8.04% | -0.94% | -0.43% | -3.16% | 3.90% | +1,194 bps | |
| Deposit Growth (YoY) | 14.03% | 24.11% | 12.39% | 15.95% | 10.99% | -303 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.68% | 0.27% | 0.27% | 0.25% | +25 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.04% | -0.01% | -0.01% | -0.01% | -3 bps | |
| Allowance / Loans | 1.31% | 1.31% | 1.28% | 0.36% | 0.34% | -97 bps | |
| Allowance Coverage of NPLs | n/a | 1.9x | 4.8x | 1.3x | 1.4x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.39% | 10.17% | 9.80% | 9.36% | 9.19% | -120 bps | |
| Total Risk-Based Capital | 19.13% | 19.77% | 19.72% | 9.36% | 9.19% | -994 bps | |
| Equity / Assets | 10.89% | 9.91% | 10.37% | 12.15% | 12.28% | +139 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.52% | 49.19% | 51.63% | 46.16% | 50.10% | -342 bps | |
| Liquid Assets / Assets | 9.75% | 16.59% | 14.88% | 14.82% | 0.12% | -963 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |