Mount Carmel, IL · Cert 30618
FDIC · 1 branch
Q1 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2023, the quarter ended March 31, 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.
Mount Carmel, IL · Cert 30618
FDIC · 1 branch
Q1 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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.98% | -0.96% | -1.14% | -3.37% | -2.67% | -2.18% | -2.01% | -1.37% | +200 bps | |
| Return on Equity | -9.55% | -9.53% | -11.67% | -40.90% | -34.59% | -29.52% | -28.15% | -22.98% | +1,793 bps | |
| Net Interest Margin | 2.35% | 2.35% | 2.23% | 1.52% | 1.73% | 1.91% | 2.01% | 2.40% | +88 bps | |
| Efficiency Ratio | 140.00% | 139.66% | 148.93% | 305% | 245% | 207% | 194.81% | 152.38% | -15,238 bps | |
| Non-Interest Burden | 3.30% | 3.28% | 3.33% | 4.87% | 4.37% | 4.08% | 4.02% | 3.75% | -112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.85% | 9.72% | 10.45% | 1.16% | 0.49% | -3.52% | -6.31% | -4.35% | -550 bps | |
| Loan Growth (YoY) | -2.31% | -8.91% | -17.11% | -22.70% | -22.37% | -18.70% | -22.08% | -18.22% | +448 bps | |
| Deposit Growth (YoY) | 13.60% | 12.41% | 13.50% | 4.11% | 4.30% | 0.16% | -3.29% | -2.45% | -655 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.41% | 0.00% | 0.31% | 0.28% | 0.16% | 4.58% | 7.39% | +709 bps | |
| Net Charge-Offs / Loans | 0.96% | 0.61% | 0.50% | 0.00% | -0.06% | -0.08% | 0.11% | 0.00% | 0 bps | |
| Allowance / Loans | 0.41% | 0.49% | 0.53% | 0.58% | 0.62% | 0.66% | 0.57% | 0.60% | +2 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.2x | n/a | 1.9x | 2.2x | 4.2x | 0.1x | 0.1x | -1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.78% | 9.59% | 8.94% | 8.22% | 7.70% | 7.55% | 7.30% | 7.08% | -115 bps | |
| Total Risk-Based Capital | 23.84% | 24.11% | 23.96% | 27.40% | 22.14% | 22.09% | 22.26% | 22.29% | -511 bps | |
| Equity / Assets | 9.69% | 9.42% | 8.92% | 7.56% | 6.65% | 6.34% | 6.16% | 5.73% | -183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.01% | 42.62% | 39.03% | 34.73% | 34.25% | 34.59% | 31.45% | 29.11% | -562 bps | |
| Liquid Assets / Assets | 43.34% | 49.20% | 52.86% | 56.42% | 57.48% | 55.07% | 57.03% | 59.95% | +353 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |