Tuscola, IL · Cert 938
FDIC · 1 branch
Q4 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.12% | -0.62% | 0.22% | -0.11% | 0.21% | -0.45% | -2.54% | -276 bps | |
| Return on Equity | 1.57% | -0.96% | -5.30% | 1.86% | -0.96% | 1.86% | -3.98% | -22.64% | -2,450 bps | |
| Net Interest Margin | 2.80% | 2.35% | 1.93% | 2.56% | 2.10% | 2.43% | 2.24% | 2.80% | +24 bps | |
| Efficiency Ratio | 92.25% | 102.26% | 129.50% | 96.97% | 105.42% | 90.58% | 123.90% | 97.65% | +68 bps | |
| Non-Interest Burden | 2.57% | 2.41% | 2.55% | 2.48% | 2.23% | 2.17% | 2.81% | 2.70% | +22 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% | 0.85% | 0.12% | 0.00% | -0.02% | 0.00% | 1.20% | 0.00% | 0 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 |