Spencer, IN · Cert 27955
FDIC · 2 branches
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 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.
Spencer, IN · Cert 27955
FDIC · 2 branches
Q2 2021
Market Position · Bloomington, IN · 2021 SOD (annual) · 1.2% share · #11 of 14 inst. · $0.0B of $3.8B
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.67% | 0.37% | 0.51% | 0.50% | -0.54% | 0.71% | 0.62% | +11 bps | |
| Return on Equity | 5.61% | 5.79% | 3.23% | 4.42% | 4.30% | -4.68% | 6.72% | 5.87% | +145 bps | |
| Net Interest Margin | 3.74% | 3.71% | 3.57% | 3.53% | 3.53% | 3.51% | 3.49% | 3.30% | -23 bps | |
| Efficiency Ratio | 84.39% | 83.67% | 92.25% | 87.71% | 87.82% | 120.41% | 80.78% | 81.95% | -576 bps | |
| Non-Interest Burden | 3.06% | 3.00% | 3.25% | 3.01% | 3.02% | 4.37% | 2.68% | 2.56% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.42% | 0.43% | 1.12% | 2.93% | 1.96% | -2.92% | 2.24% | 0.68% | -225 bps | |
| Loan Growth (YoY) | 4.42% | 2.67% | -0.21% | -1.65% | -3.52% | -6.02% | -8.33% | -13.96% | -1,231 bps | |
| Deposit Growth (YoY) | -0.85% | -1.99% | 0.66% | 5.66% | 7.40% | 3.26% | 8.56% | 4.21% | -146 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.73% | 0.73% | 0.78% | 0.83% | 0.83% | 0.85% | 0.89% | 0.91% | +8 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.11% | 0.04% | 0.07% | 0.05% | 0.06% | 0.02% | 0.00% | -7 bps | |
| Allowance / Loans | 0.93% | 0.94% | 0.99% | 1.00% | 1.03% | 1.05% | 1.12% | 1.21% | +21 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.3x | 1.3x | 1.2x | 1.2x | 1.2x | 1.3x | 1.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.64% | 11.61% | 11.50% | 11.29% | 11.39% | 10.38% | 10.74% | 10.39% | -90 bps | |
| Total Risk-Based Capital | 19.66% | 22.08% | 11.50% | 11.29% | 11.39% | 10.38% | 10.74% | 10.39% | -90 bps | |
| Equity / Assets | 11.72% | 11.73% | 11.36% | 11.57% | 11.55% | 10.97% | 10.33% | 10.42% | -115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.10% | 101.65% | 96.41% | 92.91% | 91.72% | 92.52% | 81.42% | 76.71% | -1,620 bps | |
| Liquid Assets / Assets | 6.55% | 7.22% | 11.25% | 13.50% | 11.15% | 7.65% | 19.36% | 25.49% | +1,199 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |