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Bank of Montgomery

Montgomery, IL · Cert 20769

FDIC · 1 branch

Q1 2023

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 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.

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

Bank of Montgomery

Montgomery, IL · Cert 20769

FDIC · 1 branch

Q1 2023

$47.5MAssets
$6.7MLoans
$44.9MDeposits
$2.6MEquity
Loan mix
65%RE $4.0M20%C&I $1.2M15%Consumer $0.9MQ1 2022Q1 2023
Deposit mix
76%Interest-bearing $34.2M24%Noninterest $10.7MQ1 2022Q1 2023

NIM

2.15%Q1 ’211.53%Q1 ’221.72%Q1 ’23-33%+3%

Non-interest income vs. expense

1.81%Q1 ’211.41%Q1 ’222.01%Q1 ’23-23%+47%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2022 SOD (annual) · 0.0% share · #146 of 162 inst. · $0.0B of $599.1B

Executive Summary

  • Earnings: ROA of -0.73%, down 56 bps year over year; NIM at 1.14%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.89%, up 6 bps from a year ago.
  • Funding: loans stand at 14.88% of deposits as of Q1 2023.

Financial Results

Return on Assets (YTD, annualized)

-0.73%-56 bps YoY

Net Interest Margin (YTD, annualized)

1.14%+4 bps YoY

Efficiency Ratio (YTD, annualized)

157.72%+4,408 bps YoY

Tier 1 Leverage Ratio

7.89%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
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 Margin1.11%1.20%1.23%1.24%1.14%+4 bps
Efficiency Ratio113.64%110.15%108.54%112.52%157.72%+4,408 bps
Non-Interest Burden1.27%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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%1.02%0.00%0 bps
Allowance / Loans2.15%2.26%2.41%1.47%1.68%-47 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.82%7.96%8.20%8.17%7.89%+6 bps
Total Risk-Based Capital39.68%41.75%44.36%44.39%48.95%+928 bps
Equity / Assets6.21%5.71%4.84%5.10%5.49%-72 bps
Liquidity & Funding
Loans / Deposits19.22%18.96%17.73%17.18%14.88%-434 bps
Liquid Assets / Assets9.97%6.90%9.09%8.89%16.53%+656 bps
CRE / Total Capitaln/an/an/an/an/an/an/a