Trenton, IL · Cert 30615
FDIC · 2 branches
Q1 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2022, the quarter ended March 31, 2022, 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.
Trenton, IL · Cert 30615
FDIC · 2 branches
Q1 2022
Market Position · St. Louis, MO-IL · 2021 SOD (annual) · 0.1% share · #85 of 116 inst. · $0.1B of $121.5B
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.16% | -2.82% | -2.25% | 7.47% | 3.29% | 1.56% | 0.81% | -0.21% | -768 bps | |
| Return on Equity | -42.56% | -29.57% | -23.59% | 71.44% | 30.64% | 14.44% | 7.47% | -1.93% | -7,337 bps | |
| Net Interest Margin | 2.16% | 2.12% | 2.11% | 2.23% | 2.09% | 1.97% | 1.92% | 1.77% | -45 bps | |
| Efficiency Ratio | 111.88% | 111.78% | 115.06% | 116.99% | 129.05% | 150.57% | 156.44% | 110.90% | -608 bps | |
| Non-Interest Burden | 2.44% | 2.39% | 2.45% | 2.64% | 2.75% | 3.05% | 3.10% | 1.98% | -65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.25% | 7.59% | -5.97% | -3.02% | -8.61% | -11.24% | -1.88% | -5.53% | -252 bps | |
| Loan Growth (YoY) | -6.05% | -9.10% | -17.47% | -20.89% | -21.81% | -25.84% | -24.08% | -20.18% | +71 bps | |
| Deposit Growth (YoY) | 4.93% | 7.63% | 0.61% | 3.80% | -2.69% | -5.77% | -0.65% | -5.50% | -930 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.91% | 0.83% | 1.28% | 2.05% | 0.30% | 1.37% | 0.07% | 1.53% | -53 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.02% | 0.00% | 0.53% | 0.38% | 0.30% | 0.00% | 0 bps | |
| Allowance / Loans | 2.70% | 2.75% | 3.03% | 0.62% | 0.39% | 0.42% | 0.45% | 0.46% | -16 bps | |
| Allowance Coverage of NPLs | 3.0x | 3.3x | 2.4x | 0.3x | 1.3x | 0.3x | 6.4x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.06% | 8.96% | 8.93% | 11.30% | 11.16% | 10.79% | 10.50% | 10.83% | -47 bps | |
| Total Risk-Based Capital | 19.35% | 8.96% | 20.54% | 24.71% | 25.08% | 24.99% | 25.95% | 28.50% | +378 bps | |
| Equity / Assets | 8.87% | 8.80% | 9.56% | 11.34% | 11.30% | 11.11% | 10.67% | 10.93% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.68% | 99.17% | 94.19% | 85.37% | 81.71% | 78.05% | 71.97% | 72.10% | -1,326 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 6.49% | 19.89% | +1,989 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |