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First Savings Bank

Danville, IL · Cert 28723

FDIC · 1 branch

Q3 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: Q3 2023, the quarter ended September 30, 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

First Savings Bank

Danville, IL · Cert 28723

FDIC · 1 branch

Q3 2023

$31.4MAssets
$13.1MLoans
$20.8MDeposits
$8.4MEquity
Deposit mix
91%Interest-bearing $18.8M9%Noninterest $1.9MQ3 2022Q3 2023

NIM

2.14%Q3 ’212.45%Q3 ’223.10%Q3 ’23+23%+8%

Non-interest income vs. expense

2.68%Q3 ’213.06%Q3 ’223.61%Q3 ’23+65%+4%

Executive Summary

  • Earnings: ROA of 0.29%, up 9 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.25% of loans (-16 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 31.88%, up 539 bps from a year ago.
  • Funding: loans stand at 63.21% of deposits as of Q3 2023.

Financial Results

Return on Assets (YTD, annualized)

0.29%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.41%+18 bps YoY

Efficiency Ratio (YTD, annualized)

92.20%-144 bps YoY

Tier 1 Leverage Ratio

31.88%+539 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets0.20%0.02%1.31%0.42%0.29%+9 bps
Return on Equity0.84%0.10%5.22%1.62%1.10%+26 bps
Net Interest Margin2.23%2.37%2.49%2.25%2.41%+18 bps
Efficiency Ratio93.65%99.19%71.24%88.65%92.20%-144 bps
Non-Interest Burden2.02%2.34%1.17%1.82%2.11%+8 bps
Growth
Asset Growth (YoY)-12.70%-15.46%-15.92%-14.58%-12.36%+34 bps
Loan Growth (YoY)2.05%2.41%-6.31%-1.10%4.24%+220 bps
Deposit Growth (YoY)-10.40%-9.32%-14.99%-7.65%-11.38%-98 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.42%0.41%0.39%0.25%-16 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.64%0.65%0.31%0.30%0.29%-35 bps
Allowance Coverage of NPLs1.6x1.6x0.8x0.8x1.2x-0.4x
Capital
Tier 1 Leverage Ratio26.49%28.23%29.21%30.42%31.88%+539 bps
Total Risk-Based Capital77.77%77.89%78.75%80.62%78.82%+105 bps
Equity / Assets23.32%24.53%25.56%27.62%26.69%+337 bps
Liquidity & Funding
Loans / Deposits53.74%52.86%54.00%58.35%63.21%+947 bps
Liquid Assets / Assets7.78%6.64%9.31%2.82%4.51%-328 bps
CRE / Total Capitaln/an/an/an/an/an/an/a