Cowden, IL · Cert 920
FDIC · 3 branches
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 30, 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.
Cowden, IL · Cert 920
FDIC · 3 branches
Q2 2022
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.42% | -0.06% | 0.14% | 0.20% | 0.22% | -0.08% | -0.05% | -19 bps | |
| Return on Equity | 4.47% | 3.87% | -0.64% | 1.51% | 2.10% | 2.29% | -0.93% | -0.54% | -204 bps | |
| Net Interest Margin | 2.50% | 2.39% | 1.83% | 1.78% | 1.77% | 1.68% | 1.53% | 1.57% | -21 bps | |
| Efficiency Ratio | 82.82% | 84.80% | 103.05% | 93.77% | 91.54% | 90.92% | 104.53% | 102.51% | +874 bps | |
| Non-Interest Burden | 2.03% | 1.99% | 1.89% | 1.64% | 1.57% | 1.47% | 1.61% | 1.62% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.67% | 12.09% | 16.49% | 10.77% | 13.35% | 14.83% | 13.96% | 12.65% | +188 bps | |
| Loan Growth (YoY) | 2.73% | 0.11% | -4.61% | -4.83% | -9.12% | -13.44% | -12.85% | -18.09% | -1,326 bps | |
| Deposit Growth (YoY) | 14.18% | 13.53% | 18.67% | 12.04% | 15.19% | 16.70% | 15.18% | 14.09% | +205 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 3.62% | 3.06% | 2.96% | 2.92% | 3.93% | 4.21% | 4.76% | +180 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | -0.02% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.06% | 1.07% | 1.17% | 1.16% | 1.17% | 1.24% | 1.34% | 1.42% | +26 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.3x | 0.4x | 0.4x | 0.4x | 0.3x | 0.3x | 0.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.66% | 10.47% | 9.38% | 9.34% | 9.26% | 8.87% | 8.34% | 8.22% | -112 bps | |
| Total Risk-Based Capital | 10.66% | 10.47% | 9.38% | 9.34% | 9.26% | 8.87% | 22.80% | 23.41% | +1,407 bps | |
| Equity / Assets | 10.84% | 10.26% | 9.25% | 9.36% | 9.41% | 8.81% | 8.31% | 8.34% | -102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.73% | 51.45% | 43.93% | 44.22% | 43.96% | 38.16% | 33.24% | 31.74% | -1,247 bps | |
| Liquid Assets / Assets | 43.19% | 50.78% | 50.23% | 55.17% | 53.85% | 59.45% | 65.92% | 67.12% | +1,194 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |