Freeport, IL · Cert 19628
FDIC · 3 branches
Q2 2022
Market Position · Rockford, IL · 2022 SOD (annual) · 0.6% share · #17 of 23 inst. · $0.0B of $8.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.99% | 7.93% | 7.86% | 4.80% | 5.15% | 3.22% | 0.55% | 0.43% | -437 bps | |
| Return on Equity | 66.73% | 82.71% | 79.35% | 42.30% | 40.03% | 23.12% | 3.82% | 3.04% | -3,926 bps | |
| Net Interest Margin | 2.05% | 2.25% | 2.32% | 2.29% | 3.55% | 2.45% | 2.01% | 2.38% | +9 bps | |
| Efficiency Ratio | 67.98% | 67.63% | 65.59% | 75.67% | 71.21% | 80.41% | 93.04% | 93.37% | +1,770 bps | |
| Non-Interest Burden | -5.59% | -6.62% | -7.06% | -3.38% | -2.45% | -1.24% | 1.15% | 1.64% | +501 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 54.79% | 68.59% | 38.78% | -10.67% | -7.42% | -19.45% | -20.59% | -10.86% | -20 bps | |
| Loan Growth (YoY) | 60.37% | 62.66% | 25.35% | 13.03% | -14.56% | -36.24% | -35.95% | -33.22% | -4,625 bps | |
| Deposit Growth (YoY) | 57.10% | 72.02% | 35.91% | -16.43% | -12.47% | -25.04% | -24.64% | -12.75% | +368 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.15% | 0.16% | 0.08% | 0.08% | 0.10% | 0.10% | 0.11% | +3 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.00% | 0.00% | 0.00% | -0.07% | 0.00% | 0.00% | -0.12% | -12 bps | |
| Allowance / Loans | 0.75% | 0.74% | 0.77% | 0.84% | 0.89% | 1.19% | 1.23% | 1.31% | +47 bps | |
| Allowance Coverage of NPLs | 6.7x | 5.0x | 4.9x | 11.2x | 11.6x | 11.8x | 12.0x | 12.5x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.77% | 8.52% | 9.93% | 10.98% | 12.17% | 12.70% | 13.05% | 13.00% | +202 bps | |
| Total Risk-Based Capital | 14.23% | 14.60% | 16.84% | 19.95% | 20.57% | 25.34% | 25.20% | 26.09% | +614 bps | |
| Equity / Assets | 9.94% | 9.27% | 10.53% | 12.27% | 13.47% | 14.42% | 14.23% | 14.09% | +182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.09% | 94.88% | 92.84% | 98.40% | 99.65% | 80.71% | 78.91% | 75.32% | -2,308 bps | |
| Liquid Assets / Assets | 3.71% | 9.79% | 12.33% | 9.96% | 9.20% | 25.09% | 26.27% | 29.34% | +1,939 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |