Wenona, IL · Cert 17401
FDIC · 1 branch
Q1 2021
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wenona, IL · Cert 17401
FDIC · 1 branch
Q1 2021
Market Position · Peoria, IL · 2020 SOD (annual) · 0.3% share · #35 of 45 inst. · $0.0B of $9.6B
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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.63% | 0.61% | 0.42% | 0.46% | 0.56% | 0.70% | -0.80% | -122 bps | |
| Return on Equity | 4.62% | 4.44% | 4.31% | 3.31% | 3.63% | 4.30% | 5.38% | -6.11% | -942 bps | |
| Net Interest Margin | 3.06% | 3.08% | 2.95% | 2.78% | 2.52% | 2.47% | 2.38% | 2.09% | -68 bps | |
| Efficiency Ratio | 77.80% | 76.36% | 75.84% | 82.97% | 77.31% | 74.21% | 73.65% | 132.53% | +4,956 bps | |
| Non-Interest Burden | 2.31% | 2.28% | 2.17% | 2.25% | 1.90% | 1.77% | 1.69% | 2.86% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.79% | 1.73% | 9.72% | 22.82% | 26.57% | 15.86% | 15.56% | -1.31% | -2,414 bps | |
| Loan Growth (YoY) | 3.44% | 7.38% | 9.10% | 3.79% | 1.99% | -2.62% | -7.65% | -19.03% | -2,282 bps | |
| Deposit Growth (YoY) | -2.23% | 5.02% | 13.62% | 27.87% | 14.85% | 5.11% | 3.15% | -2.46% | -3,033 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.74% | 2.21% | 2.22% | 2.18% | 1.05% | 0.99% | 1.05% | 1.18% | -99 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.17% | 0.13% | 0.05% | 1.34% | 0.91% | 0.72% | 0.00% | -5 bps | |
| Allowance / Loans | 1.81% | 1.62% | 1.68% | 1.86% | 1.31% | 1.33% | 1.12% | 1.32% | -54 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.8x | 0.9x | 1.3x | 1.3x | 1.1x | 1.1x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.86% | 14.87% | 14.09% | 13.44% | 12.66% | 12.26% | 12.20% | 11.78% | -166 bps | |
| Total Risk-Based Capital | 23.99% | 23.05% | 22.81% | 13.44% | 12.66% | 12.26% | 12.20% | 11.78% | -166 bps | |
| Equity / Assets | 14.83% | 14.13% | 13.74% | 11.87% | 12.84% | 13.37% | 13.15% | 13.06% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.06% | 61.20% | 57.23% | 48.21% | 54.22% | 56.70% | 51.24% | 40.02% | -819 bps | |
| Liquid Assets / Assets | 5.02% | 4.70% | 4.52% | 6.54% | 7.03% | 7.17% | 6.31% | 6.58% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |