Nokomis, IL · Cert 29532
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.
Nokomis, IL · Cert 29532
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 | 0.12% | 0.15% | -0.12% | 0.10% | 0.08% | -3.69% | -4.40% | -4.85% | -495 bps | |
| Return on Equity | 0.84% | 1.12% | -0.98% | 0.89% | 0.81% | -52.81% | -67.59% | -90.76% | -9,165 bps | |
| Net Interest Margin | 1.85% | 2.09% | 1.81% | 2.16% | 2.06% | 2.04% | 1.80% | 1.15% | -102 bps | |
| Efficiency Ratio | 94.07% | 90.76% | 102.48% | 93.12% | 94.00% | 234% | 292% | 434% | +34,134 bps | |
| Non-Interest Burden | 1.72% | 1.88% | 1.86% | 2.00% | 1.92% | 5.23% | 5.69% | 5.53% | +352 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.03% | -13.63% | -12.31% | -14.58% | -12.98% | -9.47% | -6.64% | -12.73% | +185 bps | |
| Loan Growth (YoY) | -11.40% | -13.53% | -16.49% | -15.97% | -14.87% | -15.16% | -12.52% | -29.43% | -1,346 bps | |
| Deposit Growth (YoY) | 10.52% | -0.92% | 0.03% | -3.04% | -5.83% | -8.12% | -12.26% | -14.08% | -1,104 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.86% | 2.11% | 2.71% | 3.05% | 5.22% | 3.08% | 3.44% | 6.18% | +313 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | 1.17% | 0.68% | 0.44% | +41 bps | |
| Allowance / Loans | 0.92% | 1.03% | 1.15% | 1.18% | 1.22% | 1.04% | 1.13% | 1.55% | +37 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.4x | 0.4x | 0.2x | 0.3x | 0.3x | 0.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.03% | 15.17% | 15.09% | 16.91% | 15.35% | 14.59% | 14.10% | 13.27% | -365 bps | |
| Total Risk-Based Capital | 15.03% | 15.17% | 15.09% | 16.91% | 15.35% | 14.59% | 14.10% | 13.27% | -365 bps | |
| Equity / Assets | 15.20% | 11.81% | 8.36% | 7.49% | 7.90% | 6.07% | 5.53% | 1.41% | -608 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.96% | 58.16% | 52.75% | 54.35% | 56.92% | 53.71% | 52.59% | 44.65% | -971 bps | |
| Liquid Assets / Assets | 7.16% | 5.64% | 2.56% | 2.16% | 1.71% | 3.82% | 2.95% | 5.87% | +371 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |