Irvington, IL · Cert 13380
FDIC · 3 branches
Q4 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 1.06% | 0.81% | 0.08%1 | 0.42% | 0.70% | 0.65% | 0.79% | +71 bps | |
| Return on Equity | 3.18% | 8.38% | 6.30% | 0.65% | 4.09% | 7.29% | 7.21% | 8.95% | +830 bps | |
| Net Interest Margin | 2.48% | 2.54% | 2.66% | 2.50% | 2.26% | 2.37% | 2.74% | 2.87% | +37 bps | |
| Efficiency Ratio | 88.38% | 79.07% | 78.13% | 93.90% | 81.94% | 78.49% | 76.52% | 71.07% | -2,283 bps | |
| Non-Interest Burden | 2.12% | 1.90% | 1.95% | 2.31% | 1.76% | 1.76% | 1.96% | 1.91% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.85% | 14.49% | 11.67% | 18.91% | 10.67% | 3.21% | 4.31% | -6.68% | -2,559 bps | |
| Loan Growth (YoY) | 4.49% | -9.24% | -15.56% | 3.62% | 3.62% | 1.96% | 5.66% | -6.24% | -986 bps | |
| Deposit Growth (YoY) | 21.91% | 21.62% | 18.45% | 27.43% | 14.55% | 7.46% | 9.51% | -4.95% | -3,238 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 0.48% | 0.29% | 0.30% | 2.03% | 0.30% | 0.23% | 0.09% | -21 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.57% | 0.00% | +1 bps | |
| Allowance / Loans | 1.53% | 1.58% | 1.74% | 1.35% | 1.41% | 1.48% | 1.44% | 1.49% | +14 bps | |
| Allowance Coverage of NPLs | 2.7x | 3.3x | 5.9x | 4.5x | 0.7x | 4.9x | 6.1x | 16.4x | +11.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.60% | 11.80% | 12.03% | 11.23% | 10.73% | 10.97% | 12.11% | 12.16% | +93 bps | |
| Total Risk-Based Capital | 23.82% | 24.39% | 25.32% | 20.91% | 21.85% | 22.33% | 22.73% | 22.64% | +173 bps | |
| Equity / Assets | 12.89% | 12.52% | 13.14% | 10.42% | 10.10% | 9.01% | 8.91% | 8.75% | -166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.36% | 43.88% | 42.64% | 39.15% | 41.94% | 41.64% | 41.14% | 38.62% | -53 bps | |
| Liquid Assets / Assets | 6.33% | 5.54% | 5.50% | 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 | n/a | n/a | n/a |