Crawfordsville, IA · Cert 225
FDIC · 2 branches
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 30, 2022, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Crawfordsville, IA · Cert 225
FDIC · 2 branches
Q2 2022
Market Position · Iowa City, IA · 2022 SOD (annual) · 0.4% share · #18 of 20 inst. · $0.0B of $5.8B
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 | 0.84% | 0.73% | 1.38% | 1.28% | 1.06% | 0.96% | 0.63% | 0.74% | -54 bps | |
| Return on Equity | 8.05% | 6.99% | 13.71% | 12.55% | 10.65% | 9.91% | 8.05% | 10.79% | -176 bps | |
| Net Interest Margin | 2.88% | 2.53% | 2.18% | 2.21% | 2.26% | 2.48% | 2.37% | 2.38% | +17 bps | |
| Efficiency Ratio | 66.75% | 70.27% | 66.67% | 61.37% | 64.90% | 65.59% | 67.18% | 66.49% | +512 bps | |
| Non-Interest Burden | 1.88% | 1.75% | 1.22% | 1.05% | 1.27% | 1.59% | 1.55% | 1.49% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.09% | 15.70% | 21.88% | 10.08% | 13.73% | 6.79% | -0.21% | 8.85% | -123 bps | |
| Loan Growth (YoY) | -15.59% | -12.27% | 1.99% | 11.92% | 13.19% | 1.06% | -3.60% | -10.49% | -2,241 bps | |
| Deposit Growth (YoY) | 4.73% | 16.25% | 20.77% | 10.55% | 15.58% | 9.21% | 3.61% | 16.35% | +580 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.37% | 0.97% | 0.88% | 0.11% | 0.12% | 0.00% | 0.00% | 0.00% | -11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.59% | 2.43% | 2.22% | 2.27% | 2.29% | 2.41% | 2.30% | 2.53% | +27 bps | |
| Allowance Coverage of NPLs | 1.1x | 2.5x | 2.5x | 19.7x | 19.7x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.29% | 8.92% | 8.91% | 8.90% | 8.72% | 8.21% | 8.85% | 8.60% | -30 bps | |
| Total Risk-Based Capital | 10.29% | 8.92% | 8.91% | 8.90% | 8.72% | 8.21% | 8.85% | 12.04% | +314 bps | |
| Equity / Assets | 10.36% | 10.36% | 9.82% | 10.48% | 9.02% | 8.72% | 6.89% | 4.95% | -553 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 32.92% | 31.20% | 34.68% | 34.95% | 32.24% | 28.88% | 32.26% | 26.89% | -806 bps | |
| Liquid Assets / Assets | 16.53% | 22.05% | 18.68% | 13.78% | 14.28% | 10.54% | 2.13% | 8.25% | -554 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |