Catlin, IL · Cert 3615
FDIC · 2 branches
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.
Catlin, IL · Cert 3615
FDIC · 2 branches
Q1 2023
Market Position · Danville, IL · 2022 SOD (annual) · 4.8% share · #6 of 15 inst. · $0.1B of $1.6B
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 | 1.67% | 1.67% | 1.41% | 0.83% | 0.93% | 0.88% | 0.82% | -0.19% | -102 bps | |
| Return on Equity | 15.14% | 15.09% | 12.99% | 8.62% | 9.60% | 9.26% | 8.65% | -2.20% | -1,081 bps | |
| Net Interest Margin | 3.44% | 3.61% | 3.52% | 2.83% | 2.78% | 2.80% | 2.97% | 2.93% | +10 bps | |
| Efficiency Ratio | 60.71% | 61.22% | 64.98% | 73.57% | 71.54% | 72.59% | 74.39% | 108.89% | +3,532 bps | |
| Non-Interest Burden | 1.31% | 1.47% | 1.68% | 1.77% | 1.60% | 1.69% | 1.90% | 3.27% | +150 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.97% | 10.15% | 24.79% | 20.34% | 20.95% | 18.40% | 1.27% | -1.90% | -2,224 bps | |
| Loan Growth (YoY) | -9.58% | -12.86% | -9.51% | -10.14% | -6.73% | 0.59% | 7.26% | 9.82% | +1,995 bps | |
| Deposit Growth (YoY) | 8.49% | 10.15% | 27.58% | 23.03% | 23.93% | 21.47% | 1.78% | -0.20% | -2,323 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.22% | 0.18% | 0.12% | 0.10% | 0.09% | 0.18% | 0.19% | +7 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.06% | 0.11% | 0.24% | 0.09% | 0.05% | 0.10% | 0.05% | -20 bps | |
| Allowance / Loans | 1.19% | 1.18% | 1.18% | 1.12% | 1.14% | 1.08% | 1.01% | 0.93% | -19 bps | |
| Allowance Coverage of NPLs | 6.2x | 5.3x | 6.7x | 9.6x | 11.6x | 11.6x | 5.7x | 4.9x | -4.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.81% | 11.10% | 11.19% | 9.78% | 9.98% | 9.91% | 10.22% | 8.50% | -129 bps | |
| Total Risk-Based Capital | 24.28% | 27.50% | 25.69% | 23.85% | 25.59% | 24.92% | 24.64% | 20.43% | -342 bps | |
| Equity / Assets | 11.41% | 11.20% | 10.02% | 9.29% | 9.72% | 9.16% | 9.51% | 7.90% | -139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.45% | 61.44% | 50.49% | 47.40% | 50.01% | 50.88% | 53.21% | 52.16% | +476 bps | |
| Liquid Assets / Assets | 12.23% | 21.18% | 16.45% | 17.84% | 12.71% | 8.50% | 6.02% | 11.75% | -608 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |