Montgomery, IL · Cert 20769
FDIC · 1 branch
Q1 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2023, the quarter ended March 31, 2023, 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.
Montgomery, IL · Cert 20769
FDIC · 1 branch
Q1 2023
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2022 SOD (annual) · 0.0% share · #146 of 162 inst. · $0.0B of $599.1B
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.17% | -0.14% | -0.12% | -0.17% | -0.73% | -56 bps | |
| Return on Equity | -2.41% | -2.05% | -1.88% | -2.86% | -13.77% | -1,137 bps | |
| Net Interest Margin | 1.11% | 1.20% | 1.23% | 1.24% | 1.14% | +4 bps | |
| Efficiency Ratio | 113.64% | 110.15% | 108.54% | 112.52% | 157.72% | +4,408 bps | |
| Non-Interest Burden | 1.27% | 1.33% | 1.35% | 1.41% | 1.87% | +60 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.97% | -0.51% | -2.04% | -3.62% | -3.34% | -831 bps | |
| Loan Growth (YoY) | -19.57% | -17.40% | -23.26% | -22.24% | -24.62% | -504 bps | |
| Deposit Growth (YoY) | 7.82% | 2.60% | 1.99% | -0.50% | -2.61% | -1,043 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 1.02% | 0.00% | 0 bps | |
| Allowance / Loans | 2.15% | 2.26% | 2.41% | 1.47% | 1.68% | -47 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.82% | 7.96% | 8.20% | 8.17% | 7.89% | +6 bps | |
| Total Risk-Based Capital | 39.68% | 41.75% | 44.36% | 44.39% | 48.95% | +928 bps | |
| Equity / Assets | 6.21% | 5.71% | 4.84% | 5.10% | 5.49% | -72 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 19.22% | 18.96% | 17.73% | 17.18% | 14.88% | -434 bps | |
| Liquid Assets / Assets | 9.97% | 6.90% | 9.09% | 8.89% | 16.53% | +656 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |