Mulberry Grove, IL · Cert 3817
FDIC · 3 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.
Mulberry Grove, IL · Cert 3817
FDIC · 3 branches
Q2 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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.58% | 0.58% | 0.55% | 0.56% | 0.61% | 0.84% | 0.90% | +35 bps | |
| Return on Equity | 4.81% | 6.69% | 6.22% | 5.94% | 6.09% | 6.73% | 9.75% | 10.18% | +425 bps | |
| Net Interest Margin | 2.86% | 2.85% | 2.75% | 2.61% | 2.50% | 2.50% | 2.50% | 2.43% | -18 bps | |
| Efficiency Ratio | 82.91% | 79.82% | 84.88% | 84.67% | 83.57% | 81.93% | 73.89% | 73.19% | -1,148 bps | |
| Non-Interest Burden | 2.19% | 2.07% | 2.17% | 2.06% | 1.93% | 1.89% | 1.61% | 1.51% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.58% | 1.08% | -3.53% | 7.56% | 10.31% | 15.08% | 21.94% | 1.57% | -599 bps | |
| Loan Growth (YoY) | 4.78% | 3.05% | -2.46% | 0.73% | 2.15% | -3.00% | -2.38% | -12.77% | -1,350 bps | |
| Deposit Growth (YoY) | -0.95% | -0.08% | -3.68% | 2.62% | 5.57% | 12.89% | 17.10% | 4.82% | +220 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.55% | 1.65% | 1.93% | 1.45% | 1.37% | 1.66% | 1.72% | 1.74% | +29 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.11% | 0.02% | 0.23% | 0.15% | 0.22% | -0.01% | 0.00% | -23 bps | |
| Allowance / Loans | 1.18% | 1.21% | 1.31% | 1.12% | 1.14% | 1.13% | 1.21% | 1.26% | +14 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.7x | 0.8x | 0.8x | 0.7x | 0.7x | 0.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.68% | 8.89% | 9.06% | 8.52% | 8.12% | 8.03% | 7.99% | 8.25% | -28 bps | |
| Total Risk-Based Capital | 12.39% | 12.98% | 9.06% | 8.52% | 13.15% | 13.59% | 14.16% | 14.69% | +616 bps | |
| Equity / Assets | 8.97% | 9.22% | 9.42% | 9.04% | 9.03% | 8.89% | 8.43% | 9.26% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.42% | 70.73% | 67.25% | 67.33% | 67.17% | 60.78% | 56.06% | 56.04% | -1,130 bps | |
| Liquid Assets / Assets | 3.59% | 4.41% | 7.10% | 5.40% | 6.50% | 20.39% | 26.68% | 16.95% | +1,155 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |