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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 7.47% | -0.91% | -1.96% | -1.50% | -0.21% | -768 bps | |
| Return on Equity | 71.44% | -8.05% | -17.47% | -13.76% | -1.93% | -7,337 bps | |
| Net Interest Margin | 2.23% | 1.94% | 1.69% | 1.74% | 1.77% | -45 bps | |
| Efficiency Ratio | 116.99% | 142.94% | 203% | 176.12% | 110.90% | -608 bps | |
| Non-Interest Burden | 2.64% | 2.85% | 3.61% | 3.21% | 1.98% | -65 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.02% | -8.61% | -11.24% | -1.88% | -5.53% | -252 bps | |
| Loan Growth (YoY) | -20.89% | -21.81% | -25.84% | -24.08% | -20.18% | +71 bps | |
| Deposit Growth (YoY) | 3.80% | -2.69% | -5.77% | -0.65% | -5.50% | -930 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.05% | 0.30% | 1.37% | 0.07% | 1.53% | -53 bps | |
| Net Charge-Offs / Loans | 0.00% | 1.06% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.62% | 0.39% | 0.42% | 0.45% | 0.46% | -16 bps | |
| Allowance Coverage of NPLs | 0.3x | 1.3x | 0.3x | 6.4x | 0.3x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.30% | 11.16% | 10.79% | 10.50% | 10.83% | -47 bps | |
| Total Risk-Based Capital | 24.71% | 25.08% | 24.99% | 25.95% | 28.50% | +378 bps | |
| Equity / Assets | 11.34% | 11.30% | 11.11% | 10.67% | 10.93% | -41 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.37% | 81.71% | 78.05% | 71.97% | 72.10% | -1,326 bps | |
| Liquid Assets / Assets | 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 |