Tuscola, IL · Cert 938
FDIC · 1 branch
Q4 2021
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tuscola, IL · Cert 938
FDIC · 1 branch
Q4 2021
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.04% | -0.19% | -0.09% | -0.11% | 0.05% | -0.12% | -0.72% | -63 bps | |
| Return on Equity | 1.57% | 0.30% | -1.57% | -0.71% | -0.96% | 0.45% | -1.03% | -6.38% | -567 bps | |
| Net Interest Margin | 2.80% | 2.50% | 2.27% | 2.33% | 2.10% | 2.28% | 2.29% | 2.40% | +7 bps | |
| Efficiency Ratio | 92.25% | 97.06% | 106.18% | 103.71% | 105.42% | 97.59% | 105.68% | 103.48% | -22 bps | |
| Non-Interest Burden | 2.57% | 2.42% | 2.42% | 2.42% | 2.23% | 2.21% | 2.44% | 2.47% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.08% | 11.03% | 10.87% | 10.24% | 15.72% | 3.64% | 0.83% | 4.65% | -558 bps | |
| Loan Growth (YoY) | -1.13% | -0.49% | 5.80% | 9.90% | 8.87% | 12.88% | 13.97% | -0.06% | -996 bps | |
| Deposit Growth (YoY) | 10.97% | 12.41% | 12.70% | 11.79% | 18.23% | 4.43% | 1.22% | 5.19% | -661 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.77% | 2.98% | 2.42% | 2.43% | 5.01% | 4.71% | 1.97% | 2.54% | +11 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.43% | 0.32% | 0.23% | -0.02% | -0.01% | 0.39% | 0.32% | +9 bps | |
| Allowance / Loans | 1.96% | 1.82% | 1.71% | 1.63% | 1.61% | 1.59% | 1.21% | 0.00% | -163 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.7x | 0.7x | 0.3x | 0.3x | 0.6x | 0.0x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.54% | 11.78% | 11.36% | 11.32% | 10.88% | 11.04% | 11.10% | 9.95% | -136 bps | |
| Total Risk-Based Capital | 20.54% | 21.05% | 20.31% | 19.63% | 19.14% | 19.33% | 18.32% | 16.14% | -349 bps | |
| Equity / Assets | 12.62% | 11.78% | 11.72% | 11.65% | 10.85% | 11.27% | 11.54% | 10.92% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.03% | 62.94% | 65.97% | 68.59% | 64.49% | 68.03% | 74.29% | 65.17% | -342 bps | |
| Liquid Assets / Assets | 22.66% | 30.45% | 28.91% | 27.74% | 31.66% | 28.78% | 23.96% | 25.85% | -189 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |