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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40%1 | 0.20%1 | 0.04%1 | -0.17% | -0.14% | -0.12% | -0.17% | -0.73% | -56 bps | |
| Return on Equity | 4.52% | 2.30% | 0.44% | -2.41% | -2.05% | -1.88% | -2.86% | -13.77% | -1,137 bps | |
| Net Interest Margin | 1.52% | 1.40% | 1.31% | 1.11% | 1.20% | 1.23% | 1.24% | 1.14% | +4 bps | |
| Efficiency Ratio | 104.07% | 106.95% | 112.89% | 113.64% | 110.15% | 108.54% | 112.52% | 157.72% | +4,408 bps | |
| Non-Interest Burden | 1.58% | 1.50% | 1.50% | 1.27% | 1.33% | 1.35% | 1.41% | 1.87% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.17% | 11.15% | 8.90% | 4.97% | -0.51% | -2.04% | -3.62% | -3.34% | -831 bps | |
| Loan Growth (YoY) | -22.11% | -16.32% | -12.44% | -19.57% | -17.40% | -23.26% | -22.24% | -24.62% | -504 bps | |
| Deposit Growth (YoY) | 12.89% | 12.94% | 10.59% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 1.02% | 0.00% | 0 bps | |
| Allowance / Loans | 1.86% | 1.85% | 1.94% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.45% | 8.27% | 8.08% | 7.82% | 7.96% | 8.20% | 8.17% | 7.89% | +6 bps | |
| Total Risk-Based Capital | 31.70% | 34.45% | 35.96% | 39.68% | 41.75% | 44.36% | 44.39% | 48.95% | +928 bps | |
| Equity / Assets | 8.57% | 8.59% | 8.09% | 6.21% | 5.71% | 4.84% | 5.10% | 5.49% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 23.55% | 23.57% | 21.98% | 19.22% | 18.96% | 17.73% | 17.18% | 14.88% | -434 bps | |
| Liquid Assets / Assets | 23.61% | 31.80% | 35.48% | 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 | n/a | n/a | n/a |