PackageTrendsPeer
Letter portraitLegal landscape

Wenona State Bank

Wenona, IL · Cert 17401

FDIC · 1 branch

Q1 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wenona State Bank

Wenona, IL · Cert 17401

FDIC · 1 branch

Q1 2021

$39.6MAssets
$13.8MLoans
$34.4MDeposits
$5.2MEquity
Loan mix
60%RE $6.4M28%C&I $3.0M11%Consumer $1.2MQ1 2020Q1 2021
Deposit mix
73%Interest-bearing $25.2M27%Noninterest $9.1MQ1 2020Q1 2021

NIM

3.48%Q1 ’193.30%Q1 ’202.38%Q1 ’21-8%-25%

Non-interest income vs. expense

2.45%Q1 ’192.53%Q1 ’203.11%Q1 ’21+5%+27%

Market Position · Peoria, IL · 2020 SOD (annual) · 0.3% share · #35 of 45 inst. · $0.0B of $9.6B

Executive Summary

  • Earnings: ROA of -0.80%, down 122 bps year over year; NIM at 2.09%.
  • Asset quality: problem loans at 1.18% of loans (-99 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.78%, down 166 bps from a year ago.
  • Funding: loans stand at 40.02% of deposits as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.80%-122 bps YoY

Net Interest Margin (YTD, annualized)

2.09%-68 bps YoY

Efficiency Ratio (YTD, annualized)

132.53%+4,956 bps YoY

Tier 1 Leverage Ratio

11.78%-166 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.42%0.46%0.56%0.70%-0.80%-122 bps
Return on Equity3.31%3.63%4.30%5.38%-6.11%-942 bps
Net Interest Margin2.78%2.52%2.47%2.38%2.09%-68 bps
Efficiency Ratio82.97%77.31%74.21%73.65%132.53%+4,956 bps
Non-Interest Burden2.25%1.90%1.77%1.69%2.86%+60 bps
Growth
Asset Growth (YoY)22.82%26.57%15.86%15.56%-1.31%-2,414 bps
Loan Growth (YoY)3.79%1.99%-2.62%-7.65%-19.03%-2,282 bps
Deposit Growth (YoY)27.87%14.85%5.11%3.15%-2.46%-3,033 bps
Asset Quality
Nonperforming Loans / Loans2.18%1.05%0.99%1.05%1.18%-99 bps
Net Charge-Offs / Loans0.05%1.34%0.91%0.72%0.00%-5 bps
Allowance / Loans1.86%1.31%1.33%1.12%1.32%-54 bps
Allowance Coverage of NPLs0.9x1.3x1.3x1.1x1.1x+0.3x
Capital
Tier 1 Leverage Ratio13.44%12.66%12.26%12.20%11.78%-166 bps
Total Risk-Based Capital13.44%12.66%12.26%12.20%11.78%-166 bps
Equity / Assets11.87%12.84%13.37%13.15%13.06%+119 bps
Liquidity & Funding
Loans / Deposits48.21%54.22%56.70%51.24%40.02%-819 bps
Liquid Assets / Assets6.54%7.03%7.17%6.31%6.58%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a