Savanna, IL · Cert 30241
FDIC · 1 branch
Q3 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.84% | -2.13% | -2.23% | -1.81% | -2.09% | -2.84% | -2.57% | -4.89% | -309 bps | |
| Return on Equity | -54.88% | -33.50% | -38.07% | -32.60% | -40.37% | -61.94% | -65.78% | -159.42% | -12,682 bps | |
| Net Interest Margin | 3.10% | 3.13% | 3.17% | 3.02% | 3.32% | 2.98% | 3.25% | 3.87% | +85 bps | |
| Efficiency Ratio | 208% | 170.00% | 162.77% | 146.34% | 162.07% | 188.46% | 174.07% | 226% | +8,010 bps | |
| Non-Interest Burden | 6.45% | 5.39% | 5.32% | 4.46% | 5.39% | 5.73% | 5.78% | 9.06% | +460 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.41% | -5.12% | -10.22% | -9.81% | -8.28% | -11.63% | -12.08% | -18.74% | -894 bps | |
| Loan Growth (YoY) | -3.22% | -3.85% | -6.17% | -9.04% | -14.75% | -15.68% | -15.18% | -15.43% | -639 bps | |
| Deposit Growth (YoY) | -2.34% | -3.00% | -7.81% | -7.82% | -6.64% | -9.81% | -10.07% | -16.26% | -844 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.24% | 2.41% | 2.37% | 2.22% | 1.41% | 1.39% | 3.19% | 2.16% | -6 bps | |
| Net Charge-Offs / Loans | 0.59% | -0.10% | 0.00% | 0.38% | 0.12% | 0.00% | -0.18% | 0.00% | -38 bps | |
| Allowance / Loans | 0.55% | 0.52% | 0.53% | 0.56% | 0.56% | 0.61% | 0.67% | 0.71% | +15 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.2x | 0.2x | 0.3x | 0.4x | 0.4x | 0.2x | 0.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.06% | 5.73% | 5.21% | 4.97% | 4.46% | 4.08% | 3.67% | 2.59% | -238 bps | |
| Total Risk-Based Capital | 11.98% | 11.33% | 10.85% | 9.88% | 9.40% | 8.61% | 7.63% | 5.68% | -421 bps | |
| Equity / Assets | 6.69% | 6.01% | 5.70% | 5.39% | 4.97% | 4.19% | 3.62% | 2.47% | -292 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.34% | 76.55% | 76.22% | 74.46% | 72.45% | 71.57% | 71.88% | 75.19% | +74 bps | |
| Liquid Assets / Assets | 0.30% | 0.29% | 15.71% | 16.89% | 17.36% | 17.30% | 16.03% | 9.63% | -727 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |