Springfield, IL · Cert 18487
FDIC · 10 branches
Q4 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2022, the quarter ended December 31, 2022, 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.
Springfield, IL · Cert 18487
FDIC · 10 branches
Q4 2022
Market Position · Springfield, IL · 2022 SOD (annual) · 4.0% share · #9 of 26 inst. · $0.4B of $9.0B
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.39% | 1.41% | 1.39% | 1.87% | 1.60% | 1.52% | 1.52% | +12 bps | |
| Return on Equity | 13.13% | 13.07% | 13.20% | 12.94% | 17.38% | 15.07% | 14.54% | 14.63% | +168 bps | |
| Net Interest Margin | 3.20% | 3.30% | 3.35% | 3.28% | 3.13% | 3.25% | 3.30% | 3.26% | -2 bps | |
| Efficiency Ratio | 58.21% | 59.81% | 60.17% | 61.55% | 54.73% | 57.90% | 58.83% | 58.50% | -305 bps | |
| Non-Interest Burden | 1.09% | 1.28% | 1.33% | 1.41% | 0.80% | 1.21% | 1.35% | 1.36% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.84% | -2.27% | 2.75% | 1.21% | 1.92% | -0.43% | 0.44% | 1.72% | +51 bps | |
| Loan Growth (YoY) | 3.11% | -7.35% | -11.07% | -2.82% | -4.84% | 0.92% | 8.66% | 4.84% | +766 bps | |
| Deposit Growth (YoY) | 9.20% | 5.65% | 9.54% | 7.66% | 5.10% | -1.23% | -3.12% | -2.99% | -1,065 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.03% | 1.06% | 0.91% | 0.78% | 0.77% | 0.70% | 0.69% | 0.48% | -30 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | -0.02% | -0.01% | 0.00% | 0.00% | 0.01% | 0.05% | +6 bps | |
| Allowance / Loans | 1.69% | 1.74% | 1.79% | 1.61% | 1.59% | 1.50% | 1.44% | 1.37% | -24 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 2.0x | 2.1x | 2.1x | 2.1x | 2.1x | 2.8x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.50% | 9.89% | 10.17% | 10.07% | 10.37% | 10.80% | 10.91% | 10.80% | +73 bps | |
| Total Risk-Based Capital | 14.19% | 14.65% | 15.29% | 14.69% | 14.90% | 14.87% | 14.47% | 14.85% | +15 bps | |
| Equity / Assets | 10.68% | 10.94% | 11.04% | 10.84% | 10.64% | 10.46% | 9.86% | 10.00% | -83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.34% | 82.46% | 78.05% | 80.67% | 78.17% | 84.26% | 87.54% | 87.18% | +651 bps | |
| Liquid Assets / Assets | 6.40% | 6.96% | 10.59% | 6.81% | 4.51% | 0.53% | 0.34% | 1.92% | -489 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |