Glasford, IL · Cert 8492
FDIC · 2 branches
Q1 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2022, the quarter ended March 31, 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.
Glasford, IL · Cert 8492
FDIC · 2 branches
Q1 2022
Market Position · Peoria, IL · 2021 SOD (annual) · 0.5% share · #30 of 44 inst. · $0.0B of $10.4B
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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.60% | 0.54% | 0.35% | 0.45% | 0.52% | 0.46% | 0.30% | -4 bps | |
| Return on Equity | 7.85% | 7.57% | 6.69% | 4.28% | 5.62% | 6.68% | 6.06% | 5.74% | +145 bps | |
| Net Interest Margin | 2.66% | 2.41% | 2.40% | 2.34% | 2.39% | 2.31% | 2.23% | 2.14% | -20 bps | |
| Efficiency Ratio | 75.32% | 75.06% | 76.83% | 81.56% | 80.12% | 79.12% | 81.53% | 81.25% | -31 bps | |
| Non-Interest Burden | 1.89% | 1.69% | 1.73% | 1.82% | 1.81% | 1.73% | 1.74% | 1.66% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.84% | 29.40% | 10.50% | 15.62% | -1.66% | 12.61% | 19.69% | 13.80% | -182 bps | |
| Loan Growth (YoY) | 2.39% | -2.22% | -6.42% | -5.49% | -7.20% | -5.65% | -3.80% | -8.75% | -326 bps | |
| Deposit Growth (YoY) | 26.69% | 20.12% | 9.92% | 16.09% | 6.26% | 23.54% | 21.87% | 18.73% | +264 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.29% | 0.55% | 0.41% | 0.34% | 0.23% | 0.20% | 0.19% | -22 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | -0.05% | 0.00% | 0.20% | 0.15% | 0.27% | 0.00% | 0 bps | |
| Allowance / Loans | 0.92% | 1.05% | 1.27% | 1.39% | 1.37% | 1.35% | 1.23% | 1.39% | 0 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.7x | 2.3x | 3.4x | 4.1x | 6.0x | 6.3x | 7.2x | +3.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.37% | 6.93% | 7.06% | 7.13% | 7.13% | 6.88% | 6.58% | 6.60% | -53 bps | |
| Total Risk-Based Capital | 19.70% | 20.20% | 20.76% | 21.53% | 21.34% | 20.92% | 21.24% | 22.36% | +83 bps | |
| Equity / Assets | 7.63% | 7.96% | 8.48% | 7.71% | 8.00% | 7.16% | 6.84% | 3.82% | -389 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.50% | 46.21% | 43.11% | 39.27% | 39.73% | 35.29% | 34.03% | 30.19% | -909 bps | |
| Liquid Assets / Assets | 30.03% | 25.82% | 20.66% | 25.89% | 18.32% | 21.09% | 14.99% | 20.75% | -513 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |