Walnut, IL · Cert 939
FDIC · 1 branch
Q3 2022
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 1.12% | 0.91% | 0.63% | 0.52% | -0.10% | 0.01% | -3.55% | -418 bps | |
| Return on Equity | 6.02% | 12.96% | 10.44% | 7.21% | 5.96% | -1.25% | 0.18% | -48.66% | -5,587 bps | |
| Net Interest Margin | 2.66% | 3.44% | 3.08% | 2.77% | 2.63% | 2.13% | 2.14% | 2.36% | -41 bps | |
| Efficiency Ratio | 84.99% | 68.92% | 72.23% | 78.70% | 81.46% | 104.33% | 99.24% | 224% | +14,494 bps | |
| Non-Interest Burden | 2.24% | 2.33% | 2.19% | 2.15% | 2.11% | 2.23% | 2.12% | 5.47% | +332 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.80% | 14.85% | 7.67% | 3.43% | 2.11% | 1.55% | 0.85% | -3.02% | -645 bps | |
| Loan Growth (YoY) | -2.78% | -1.96% | -6.14% | -14.62% | 0.38% | -0.68% | 3.39% | 4.73% | +1,936 bps | |
| Deposit Growth (YoY) | 18.62% | 15.74% | 8.07% | 3.54% | 2.36% | 2.99% | 2.83% | -0.27% | -382 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.06% | 0.78% | 0.78% | 0.82% | 0.59% | 0.60% | 0.59% | 0.00% | -82 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.05% | -0.04% | -0.04% | 0.12% | -0.02% | 0.01% | 0.89% | +92 bps | |
| Allowance / Loans | 1.11% | 1.15% | 1.19% | 1.27% | 0.99% | 1.03% | 1.01% | 1.20% | -7 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.5x | 1.5x | 1.5x | 1.7x | 1.7x | 1.7x | 276.0x | +274.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.47% | 8.49% | 8.57% | 8.64% | 8.72% | 8.58% | 8.50% | 6.09% | -254 bps | |
| Total Risk-Based Capital | 18.61% | 18.13% | 20.00% | 19.53% | 19.69% | 18.35% | 19.75% | 14.93% | -460 bps | |
| Equity / Assets | 8.73% | 8.63% | 8.67% | 8.93% | 8.49% | 7.39% | 6.89% | 6.36% | -257 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.58% | 46.84% | 44.90% | 43.84% | 47.64% | 45.17% | 45.15% | 46.04% | +220 bps | |
| Liquid Assets / Assets | 20.63% | 17.30% | 19.07% | 24.85% | 21.41% | 22.37% | 23.17% | 6.18% | -1,866 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |