Cowden, IL · Cert 920
FDIC · 3 branches
Q2 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.22% | -0.06% | 0.34% | 0.31% | 0.26% | -0.08% | -0.01% | -36 bps | |
| Return on Equity | 5.75% | 2.11% | -0.64% | 3.70% | 3.31% | 2.86% | -0.93% | -0.14% | -385 bps | |
| Net Interest Margin | 2.61% | 2.24% | 1.83% | 1.77% | 1.79% | 1.65% | 1.53% | 1.62% | -15 bps | |
| Efficiency Ratio | 78.63% | 91.18% | 103.05% | 86.54% | 87.43% | 89.19% | 104.53% | 100.65% | +1,410 bps | |
| Non-Interest Burden | 2.00% | 2.02% | 1.89% | 1.42% | 1.49% | 1.40% | 1.61% | 1.63% | +21 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 | 0.00% | 0.00% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 |