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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.39% | 1.87% | 1.60% | 1.52% | 1.52% | +12 bps | |
| Return on Equity | 12.94% | 17.38% | 15.07% | 14.54% | 14.63% | +168 bps | |
| Net Interest Margin | 3.28% | 3.13% | 3.25% | 3.30% | 3.26% | -2 bps | |
| Efficiency Ratio | 61.55% | 54.73% | 57.90% | 58.83% | 58.50% | -305 bps | |
| Non-Interest Burden | 1.41% | 0.80% | 1.21% | 1.35% | 1.36% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.21% | 1.92% | -0.43% | 0.44% | 1.72% | +51 bps | |
| Loan Growth (YoY) | -2.82% | -4.84% | 0.92% | 8.66% | 4.84% | +766 bps | |
| Deposit Growth (YoY) | 7.66% | 5.10% | -1.23% | -3.12% | -2.99% | -1,065 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.78% | 0.77% | 0.70% | 0.69% | 0.48% | -30 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.01% | 0.05% | +6 bps | |
| Allowance / Loans | 1.61% | 1.59% | 1.50% | 1.44% | 1.37% | -24 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.1x | 2.1x | 2.1x | 2.8x | +0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.07% | 10.37% | 10.80% | 10.91% | 10.80% | +73 bps | |
| Total Risk-Based Capital | 14.69% | 14.90% | 14.87% | 14.47% | 14.85% | +15 bps | |
| Equity / Assets | 10.84% | 10.64% | 10.46% | 9.86% | 10.00% | -83 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.67% | 78.17% | 84.26% | 87.54% | 87.18% | +651 bps | |
| Liquid Assets / Assets | 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 |