Paw Paw, IL · Cert 11726
FDIC · 4 branches
Q1 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.29% | 0.61% | 0.45% | -8.07% | -868 bps | |
| Return on Equity | 5.81% | 2.82% | 6.08% | 4.27% | -78.59% | -8,440 bps | |
| Net Interest Margin | 2.97% | 2.90% | 3.41% | 3.97% | 4.42% | +145 bps | |
| Efficiency Ratio | 82.95% | 92.26% | 84.34% | 90.59% | 169.71% | +8,675 bps | |
| Non-Interest Burden | 2.43% | 2.67% | 2.86% | 3.59% | 8.25% | +582 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.55% | 0.62% | -0.31% | -9.09% | -4.63% | -818 bps | |
| Loan Growth (YoY) | -2.24% | -0.23% | 2.83% | 1.72% | 1.07% | +331 bps | |
| Deposit Growth (YoY) | 7.30% | 3.55% | 2.96% | -3.79% | 0.59% | -671 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.78% | 0.06% | 0.60% | 0.04% | 0.04% | -73 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.04% | -0.03% | -0.03% | -0.07% | -3 bps | |
| Allowance / Loans | 1.36% | 1.33% | 1.32% | 1.28% | 1.39% | +3 bps | |
| Allowance Coverage of NPLs | 1.7x | 22.5x | 2.2x | 31.0x | 31.4x | +29.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.48% | 10.72% | 10.92% | 11.33% | 10.32% | -17 bps | |
| Total Risk-Based Capital | 10.48% | 10.72% | 10.92% | 11.33% | 10.32% | -17 bps | |
| Equity / Assets | 10.17% | 10.11% | 10.02% | 11.06% | 9.53% | -64 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.86% | 73.81% | 74.12% | 82.31% | 71.20% | +34 bps | |
| Liquid Assets / Assets | 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 |