Irvington, IL · Cert 13380
FDIC · 3 branches
Q4 2022
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 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.42% | 0.55% | 0.58% | 0.63% | +6 bps | |
| Return on Equity | 4.65% | 4.09% | 5.60% | 6.03% | 6.64% | +199 bps | |
| Net Interest Margin | 2.46% | 2.26% | 2.33% | 2.60% | 2.65% | +20 bps | |
| Efficiency Ratio | 84.75% | 81.94% | 80.19% | 78.92% | 76.88% | -788 bps | |
| Non-Interest Burden | 2.00% | 1.76% | 1.76% | 1.93% | 1.92% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.91% | 10.67% | 3.21% | 4.31% | -6.68% | -2,559 bps | |
| Loan Growth (YoY) | 3.62% | 3.62% | 1.96% | 5.66% | -6.24% | -986 bps | |
| Deposit Growth (YoY) | 27.43% | 14.55% | 7.46% | 9.51% | -4.95% | -3,238 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 2.03% | 0.30% | 0.23% | 0.09% | -21 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.19% | 0.14% | +15 bps | |
| Allowance / Loans | 1.35% | 1.41% | 1.48% | 1.44% | 1.49% | +14 bps | |
| Allowance Coverage of NPLs | 4.5x | 0.7x | 4.9x | 6.1x | 16.4x | +11.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.23% | 10.73% | 10.97% | 12.11% | 12.16% | +93 bps | |
| Total Risk-Based Capital | 20.91% | 21.85% | 22.33% | 22.73% | 22.64% | +173 bps | |
| Equity / Assets | 10.42% | 10.10% | 9.01% | 8.91% | 8.75% | -166 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 39.15% | 41.94% | 41.64% | 41.14% | 38.62% | -53 bps | |
| Liquid Assets / Assets | 4.35% | 5.66% | 13.81% | 10.20% | 13.37% | +903 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |