Mason City, IL · Cert 22543
FDIC · 1 branch
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, 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.
Mason City, IL · Cert 22543
FDIC · 1 branch
Q3 2021
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | 0.64% | 0.50% | 0.49% | 0.36% | 0.17% | 0.08% | -0.56% | -105 bps | |
| Return on Equity | -1.74% | 4.62% | 3.84% | 3.77% | 2.76% | 1.38% | 0.64% | -4.93% | -870 bps | |
| Net Interest Margin | 3.07% | 2.52% | 2.09% | 2.05% | 2.00% | 1.53% | 1.59% | 1.66% | -38 bps | |
| Efficiency Ratio | 73.93% | 76.54% | 79.06% | 78.97% | 84.12% | 90.58% | 95.54% | 132.46% | +5,349 bps | |
| Non-Interest Burden | 2.19% | 1.89% | 1.63% | 1.59% | 1.66% | 1.37% | 1.51% | 2.24% | +64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.46% | -0.06% | 24.42% | 21.61% | 15.00% | 16.57% | -7.95% | -6.46% | -2,807 bps | |
| Loan Growth (YoY) | -10.78% | -12.23% | -10.68% | -15.27% | -11.31% | -12.87% | -8.52% | 0.67% | +1,594 bps | |
| Deposit Growth (YoY) | -8.49% | -0.09% | 10.81% | 7.09% | 16.28% | 19.18% | 6.63% | 15.97% | +888 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.59% | 3.61% | 3.20% | 3.82% | 3.48% | 3.63% | 3.07% | 3.05% | -77 bps | |
| Net Charge-Offs / Loans | 0.54% | 0.00% | 0.12% | 0.08% | 0.13% | 0.28% | 0.13% | 0.07% | -2 bps | |
| Allowance / Loans | 4.13% | 4.35% | 4.24% | 4.43% | 4.52% | 4.79% | 4.50% | 4.28% | -14 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.2x | 1.3x | 1.2x | 1.3x | 1.3x | 1.5x | 1.4x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.83% | 12.93% | 11.19% | 11.20% | 11.26% | 10.38% | 10.96% | 6.79% | -441 bps | |
| Total Risk-Based Capital | 33.00% | 12.93% | 11.19% | 11.20% | 11.26% | 31.29% | 10.96% | 18.43% | +724 bps | |
| Equity / Assets | 14.42% | 13.46% | 11.88% | 12.64% | 13.54% | 11.55% | 12.35% | 7.60% | -504 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.44% | 34.54% | 33.89% | 34.54% | 30.84% | 25.25% | 29.07% | 29.98% | -456 bps | |
| Liquid Assets / Assets | 6.34% | 5.74% | 5.54% | 5.77% | 4.49% | 4.00% | 3.62% | 3.42% | -235 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |