Chestnut, IL · Cert 10885
FDIC · 1 branch
Q1 2023
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chestnut, IL · Cert 10885
FDIC · 1 branch
Q1 2023
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 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.16% | 0.21% | 0.36% | 0.37% | 0.34% | 0.08% | 1.22% | +86 bps | |
| Return on Equity | 2.21% | 1.84% | 2.38% | 5.00% | 5.32% | 5.01% | 1.15% | 18.31% | +1,331 bps | |
| Net Interest Margin | 3.09% | 3.21% | 3.23% | 2.58% | 2.72% | 3.10% | 3.49% | 3.75% | +116 bps | |
| Efficiency Ratio | 90.30% | 91.72% | 91.22% | 86.90% | 85.00% | 85.77% | 93.68% | 63.03% | -2,387 bps | |
| Non-Interest Burden | 2.82% | 2.96% | 2.96% | 2.24% | 2.30% | 2.64% | 3.26% | 2.34% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.38% | 11.69% | 15.66% | 15.69% | 8.38% | -2.50% | -4.07% | -16.33% | -3,202 bps | |
| Loan Growth (YoY) | -7.21% | -2.90% | -2.89% | -9.42% | -8.45% | -7.44% | -2.79% | 6.68% | +1,610 bps | |
| Deposit Growth (YoY) | 14.44% | 11.92% | 18.00% | 18.17% | 11.40% | 1.08% | -5.71% | -16.69% | -3,486 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.86% | 0.77% | 0.74% | 0.87% | 0.85% | 0.81% | 0.70% | 0.78% | -9 bps | |
| Net Charge-Offs / Loans | -0.08% | 0.04% | 0.02% | 0.20% | 0.50% | 0.32% | 0.36% | 0.00% | -20 bps | |
| Allowance / Loans | 0.90% | 0.81% | 0.79% | 0.85% | 0.67% | 0.68% | 0.56% | 0.71% | -14 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.1x | 1.0x | 0.8x | 0.8x | 0.8x | 0.9x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.53% | 8.87% | 8.89% | 7.37% | 7.80% | 8.64% | 9.40% | 8.68% | +132 bps | |
| Total Risk-Based Capital | 8.53% | 8.87% | 8.89% | 15.65% | 16.26% | 16.72% | 15.58% | 16.24% | +59 bps | |
| Equity / Assets | 8.65% | 8.87% | 8.45% | 6.24% | 6.14% | 6.62% | 6.63% | 6.67% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.07% | 70.44% | 69.87% | 49.55% | 55.11% | 64.51% | 72.03% | 63.44% | +1,390 bps | |
| Liquid Assets / Assets | 2.90% | 2.18% | 4.17% | 1.93% | 1.45% | 6.53% | 2.95% | 1.66% | -27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |