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Citizens First State Bank of Walnut

Walnut, IL · Cert 939

FDIC · 1 branch

Q3 2022

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: Q3 2022, the quarter ended September 30, 2022, 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

Citizens First State Bank of Walnut

Walnut, IL · Cert 939

FDIC · 1 branch

Q3 2022

$53.4MAssets
$23.0MLoans
$50.0MDeposits
$3.4MEquity
Loan mix
88%RE $18.1M6%C&I $1.2M7%Consumer $1.4MQ3 2021Q3 2022
Deposit mix
80%Interest-bearing $40.0M20%Noninterest $10.0MQ3 2021Q3 2022

NIM

3.15%Q3 ’202.94%Q3 ’212.47%Q3 ’22-1%-15%

Non-interest income vs. expense

2.53%Q3 ’202.30%Q3 ’215.63%Q3 ’22-9%+154%

Executive Summary

  • Earnings: ROA of -3.55%, down 418 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 0.00% of loans (-82 bps YoY), with net charge-offs at 0.89%.
  • Capital: tier 1 leverage ratio of 6.09%, down 254 bps from a year ago.
  • Funding: loans stand at 46.04% of deposits as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

-3.55%-418 bps YoY

Net Interest Margin (YTD, annualized)

2.36%-41 bps YoY

Efficiency Ratio (YTD, annualized)

224%+14,494 bps YoY

Tier 1 Leverage Ratio

6.09%-254 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets0.63%0.52%-0.10%0.01%-3.55%-418 bps
Return on Equity7.21%5.96%-1.25%0.18%-48.66%-5,587 bps
Net Interest Margin2.77%2.63%2.13%2.14%2.36%-41 bps
Efficiency Ratio78.70%81.46%104.33%99.24%224%+14,494 bps
Non-Interest Burden2.15%2.11%2.23%2.12%5.47%+332 bps
Growth
Asset Growth (YoY)3.43%2.11%1.55%0.85%-3.02%-645 bps
Loan Growth (YoY)-14.62%0.38%-0.68%3.39%4.73%+1,936 bps
Deposit Growth (YoY)3.54%2.36%2.99%2.83%-0.27%-382 bps
Asset Quality
Nonperforming Loans / Loans0.82%0.59%0.60%0.59%0.00%-82 bps
Net Charge-Offs / Loans-0.04%0.12%-0.02%0.01%0.89%+92 bps
Allowance / Loans1.27%0.99%1.03%1.01%1.20%-7 bps
Allowance Coverage of NPLs1.5x1.7x1.7x1.7x276.0x+274.5x
Capital
Tier 1 Leverage Ratio8.64%8.72%8.58%8.50%6.09%-254 bps
Total Risk-Based Capital19.53%19.69%18.35%19.75%14.93%-460 bps
Equity / Assets8.93%8.49%7.39%6.89%6.36%-257 bps
Liquidity & Funding
Loans / Deposits43.84%47.64%45.17%45.15%46.04%+220 bps
Liquid Assets / Assets24.85%21.41%22.37%23.17%6.18%-1,866 bps
CRE / Total Capitaln/an/an/an/an/an/an/a