Paw Paw, IL · Cert 11726
FDIC · 4 branches
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.
Paw Paw, IL · Cert 11726
FDIC · 4 branches
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 | 0.65% | 0.74% | 0.68% | 0.60% | 0.44% | 0.50% | 0.49% | -8.07% | -868 bps | |
| Return on Equity | 5.96% | 6.89% | 6.30% | 5.81% | 4.33% | 4.90% | 4.73% | -78.59% | -8,440 bps | |
| Net Interest Margin | 3.06% | 3.04% | 3.02% | 2.97% | 2.96% | 3.13% | 3.40% | 4.42% | +145 bps | |
| Efficiency Ratio | 78.69% | 77.35% | 79.56% | 82.95% | 87.49% | 86.36% | 87.57% | 169.71% | +8,675 bps | |
| Non-Interest Burden | 2.38% | 2.31% | 2.38% | 2.43% | 2.57% | 2.68% | 2.96% | 8.25% | +582 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.97% | 14.14% | 13.77% | 3.55% | 0.62% | -0.31% | -9.09% | -4.63% | -818 bps | |
| Loan Growth (YoY) | 7.95% | 4.23% | 6.05% | -2.24% | -0.23% | 2.83% | 1.72% | 1.07% | +331 bps | |
| Deposit Growth (YoY) | 22.39% | 17.69% | 16.04% | 7.30% | 3.55% | 2.96% | -3.79% | 0.59% | -671 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.59% | 0.41% | 0.06% | 0.78% | 0.06% | 0.60% | 0.04% | 0.04% | -73 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.08% | 0.05% | -0.03% | -0.04% | -0.03% | -0.03% | -0.07% | -3 bps | |
| Allowance / Loans | 1.37% | 1.32% | 1.27% | 1.36% | 1.33% | 1.32% | 1.28% | 1.39% | +3 bps | |
| Allowance Coverage of NPLs | 2.3x | 3.2x | 21.8x | 1.7x | 22.5x | 2.2x | 31.0x | 31.4x | +29.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.52% | 10.35% | 10.39% | 10.48% | 10.72% | 10.92% | 11.33% | 10.32% | -17 bps | |
| Total Risk-Based Capital | 10.52% | 10.35% | 10.39% | 10.48% | 10.72% | 10.92% | 11.33% | 10.32% | -17 bps | |
| Equity / Assets | 10.51% | 10.60% | 10.49% | 10.17% | 10.11% | 10.02% | 11.06% | 9.53% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.61% | 74.21% | 77.85% | 70.86% | 73.81% | 74.12% | 82.31% | 71.20% | +34 bps | |
| Liquid Assets / Assets | 1.40% | 4.39% | 2.82% | 0.55% | 0.55% | 0.53% | 0.56% | 0.54% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |