PackageTrendsPeer
Letter portraitLegal landscape

Tuscola National Bank

Tuscola, IL · Cert 938

FDIC · 1 branch

Q4 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tuscola National Bank

Tuscola, IL · Cert 938

FDIC · 1 branch

Q4 2021

$100.7MAssets
$58.1MLoans
$89.2MDeposits
$11.0MEquity
Loan mix
84%RE $22.3M12%C&I $3.2M5%Consumer $1.2MQ4 2020Q4 2021
Deposit mix
76%Interest-bearing $68.0M24%Noninterest $21.1MQ4 2020Q4 2021

NIM

3.68%Q4 ’192.99%Q4 ’202.68%Q4 ’21-24%+3%

Non-interest income vs. expense

2.74%Q4 ’192.61%Q4 ’202.72%Q4 ’21-5%+2%

Executive Summary

  • Earnings: ROA of -0.72%, down 63 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 2.54% of loans (+11 bps YoY), with net charge-offs at 0.32%.
  • Capital: tier 1 leverage ratio of 9.95%, down 136 bps from a year ago.
  • Funding: loans stand at 65.17% of deposits as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.72%-63 bps YoY

Net Interest Margin (YTD, annualized)

2.40%+7 bps YoY

Efficiency Ratio (YTD, annualized)

103.48%-22 bps YoY

Tier 1 Leverage Ratio

9.95%-136 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets-0.09%-0.11%0.05%-0.12%-0.72%-63 bps
Return on Equity-0.71%-0.96%0.45%-1.03%-6.38%-567 bps
Net Interest Margin2.33%2.10%2.28%2.29%2.40%+7 bps
Efficiency Ratio103.71%105.42%97.59%105.68%103.48%-22 bps
Non-Interest Burden2.42%2.23%2.21%2.44%2.47%+4 bps
Growth
Asset Growth (YoY)10.24%15.72%3.64%0.83%4.65%-558 bps
Loan Growth (YoY)9.90%8.87%12.88%13.97%-0.06%-996 bps
Deposit Growth (YoY)11.79%18.23%4.43%1.22%5.19%-661 bps
Asset Quality
Nonperforming Loans / Loans2.43%5.01%4.71%1.97%2.54%+11 bps
Net Charge-Offs / Loans0.23%-0.02%-0.01%0.39%0.32%+9 bps
Allowance / Loans1.63%1.61%1.59%1.21%0.00%-163 bps
Allowance Coverage of NPLs0.7x0.3x0.3x0.6x0.0x-0.7x
Capital
Tier 1 Leverage Ratio11.32%10.88%11.04%11.10%9.95%-136 bps
Total Risk-Based Capital19.63%19.14%19.33%18.32%16.14%-349 bps
Equity / Assets11.65%10.85%11.27%11.54%10.92%-73 bps
Liquidity & Funding
Loans / Deposits68.59%64.49%68.03%74.29%65.17%-342 bps
Liquid Assets / Assets27.74%31.66%28.78%23.96%25.85%-189 bps
CRE / Total Capitaln/an/an/an/an/an/an/a