Saunemin, IL · Cert 12391
FDIC · 2 branches
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 31, 2021, 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.
Saunemin, IL · Cert 12391
FDIC · 2 branches
Q4 2021
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.48% | 0.67% | 1.35% | 1.17% | 0.96% | -53 bps | |
| Return on Equity | 12.05% | 5.61% | 11.25% | 9.62% | 8.04% | -402 bps | |
| Net Interest Margin | 2.62% | 2.09% | 2.05% | 2.10% | 2.07% | -54 bps | |
| Efficiency Ratio | 65.22% | 74.81% | 59.81% | 62.88% | 66.75% | +154 bps | |
| Non-Interest Burden | 1.62% | 1.44% | 0.81% | 1.00% | 1.17% | -45 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.78% | 14.80% | 8.90% | 5.30% | 14.65% | +1,187 bps | |
| Loan Growth (YoY) | -5.91% | 12.30% | -11.40% | -9.84% | 0.62% | +653 bps | |
| Deposit Growth (YoY) | 1.46% | 15.99% | 9.55% | 5.40% | 16.61% | +1,515 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.39% | 1.32% | 1.45% | 1.41% | 1.38% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.76% | 11.06% | 11.49% | 11.74% | 11.41% | -35 bps | |
| Total Risk-Based Capital | 11.76% | 11.06% | 11.49% | 11.74% | 11.41% | -35 bps | |
| Equity / Assets | 12.57% | 11.54% | 12.05% | 12.35% | 11.09% | -148 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.35% | 55.56% | 51.45% | 53.66% | 49.48% | -786 bps | |
| Liquid Assets / Assets | 9.63% | 8.32% | 9.04% | 9.75% | 8.38% | -124 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |