Danville, IL · Cert 28723
FDIC · 1 branch
Q3 2023
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Danville, IL · Cert 28723
FDIC · 1 branch
Q3 2023
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 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.35% | 0.27% | 0.20% | 0.02% | 1.31% | 0.42% | 0.29% | +9 bps | |
| Return on Equity | 1.89% | 1.46% | 1.13% | 0.84% | 0.10% | 5.22% | 1.62% | 1.10% | +26 bps | |
| Net Interest Margin | 1.81% | 2.00% | 2.15% | 2.23% | 2.37% | 2.49% | 2.25% | 2.41% | +18 bps | |
| Efficiency Ratio | 84.09% | 88.18% | 91.36% | 93.65% | 99.19% | 71.24% | 88.65% | 92.20% | -144 bps | |
| Non-Interest Burden | 1.32% | 1.66% | 1.88% | 2.02% | 2.34% | 1.17% | 1.82% | 2.11% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.87% | -6.73% | -11.01% | -12.70% | -15.46% | -15.92% | -14.58% | -12.36% | +34 bps | |
| Loan Growth (YoY) | 19.12% | 7.43% | -0.46% | 2.05% | 2.41% | -6.31% | -1.10% | 4.24% | +220 bps | |
| Deposit Growth (YoY) | -1.86% | -4.26% | -7.68% | -10.40% | -9.32% | -14.99% | -7.65% | -11.38% | -98 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.42% | 0.41% | 0.41% | 0.42% | 0.41% | 0.39% | 0.25% | -16 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.67% | 0.62% | 0.62% | 0.64% | 0.65% | 0.31% | 0.30% | 0.29% | -35 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.5x | 1.5x | 1.6x | 1.6x | 0.8x | 0.8x | 1.2x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 23.41% | 23.55% | 25.18% | 26.49% | 28.23% | 29.21% | 30.42% | 31.88% | +539 bps | |
| Total Risk-Based Capital | 77.69% | 75.75% | 78.35% | 77.77% | 77.89% | 78.75% | 80.62% | 78.82% | +105 bps | |
| Equity / Assets | 24.43% | 23.13% | 23.56% | 23.32% | 24.53% | 25.56% | 27.62% | 26.69% | +337 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.81% | 49.00% | 54.49% | 53.74% | 52.86% | 54.00% | 58.35% | 63.21% | +947 bps | |
| Liquid Assets / Assets | 13.41% | 11.66% | 6.93% | 7.78% | 6.64% | 9.31% | 2.82% | 4.51% | -328 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |