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Bank of Chestnut

Chestnut, IL · Cert 10885

FDIC · 1 branch

Q1 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2023, the quarter ended March 31, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Chestnut

Chestnut, IL · Cert 10885

FDIC · 1 branch

Q1 2023

$21.1MAssets
$12.5MLoans
$19.7MDeposits
$1.4MEquity
Loan mix
73%RE $7.0M9%C&I $0.9M18%Consumer $1.7MQ1 2022Q1 2023
Deposit mix
81%Interest-bearing $15.9M19%Noninterest $3.8MQ1 2022Q1 2023

NIM

3.28%Q1 ’212.76%Q1 ’223.94%Q1 ’23-15%+45%

Non-interest income vs. expense

2.44%Q1 ’212.30%Q1 ’222.40%Q1 ’23-30%+5%

Executive Summary

  • Earnings: ROA of 1.22%, up 86 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.78% of loans (-9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.68%, up 132 bps from a year ago.
  • Funding: loans stand at 63.44% of deposits as of Q1 2023.

Financial Results

Return on Assets (YTD, annualized)

1.22%+86 bps YoY

Net Interest Margin (YTD, annualized)

3.75%+116 bps YoY

Efficiency Ratio (YTD, annualized)

63.03%-2,387 bps YoY

Tier 1 Leverage Ratio

8.68%+132 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets0.36%0.37%0.34%0.08%1.22%+86 bps
Return on Equity5.00%5.32%5.01%1.15%18.31%+1,331 bps
Net Interest Margin2.58%2.72%3.10%3.49%3.75%+116 bps
Efficiency Ratio86.90%85.00%85.77%93.68%63.03%-2,387 bps
Non-Interest Burden2.24%2.30%2.64%3.26%2.34%+10 bps
Growth
Asset Growth (YoY)15.69%8.38%-2.50%-4.07%-16.33%-3,202 bps
Loan Growth (YoY)-9.42%-8.45%-7.44%-2.79%6.68%+1,610 bps
Deposit Growth (YoY)18.17%11.40%1.08%-5.71%-16.69%-3,486 bps
Asset Quality
Nonperforming Loans / Loans0.87%0.85%0.81%0.70%0.78%-9 bps
Net Charge-Offs / Loans0.20%0.50%0.32%0.36%0.00%-20 bps
Allowance / Loans0.85%0.67%0.68%0.56%0.71%-14 bps
Allowance Coverage of NPLs1.0x0.8x0.8x0.8x0.9x-0.1x
Capital
Tier 1 Leverage Ratio7.37%7.80%8.64%9.40%8.68%+132 bps
Total Risk-Based Capital15.65%16.26%16.72%15.58%16.24%+59 bps
Equity / Assets6.24%6.14%6.62%6.63%6.67%+43 bps
Liquidity & Funding
Loans / Deposits49.55%55.11%64.51%72.03%63.44%+1,390 bps
Liquid Assets / Assets1.93%1.45%6.53%2.95%1.66%-27 bps
CRE / Total Capitaln/an/an/an/an/an/an/a