Mason City, IL · Cert 22543
FDIC · 1 branch
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.03% | 0.64% | 0.39% | 0.44% | -0.03% | 0.17% | -0.01% | -1.86% | -230 bps | |
| Return on Equity | -26.89% | 4.62% | 3.09% | 3.62% | -0.21% | 1.38% | -0.11% | -18.58% | -2,220 bps | |
| Net Interest Margin | 2.88% | 2.52% | 2.02% | 1.99% | 1.81% | 1.53% | 1.56% | 1.55% | -44 bps | |
| Efficiency Ratio | 83.59% | 76.54% | 81.88% | 78.79% | 101.32% | 90.58% | 100.76% | 220% | +14,157 bps | |
| Non-Interest Burden | 2.38% | 1.89% | 1.65% | 1.54% | 1.84% | 1.37% | 1.57% | 3.44% | +190 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 | 1.77% | 0.00% | 0.24% | 0.00% | 0.26% | 0.28% | 0.00% | -0.05% | -5 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 |