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National Bank & Trust Company of Sycamore, The

Sycamore, IL · Cert 10036

FDIC · 10 branches

Q4 2015

$632.8MAssets
$424.9MLoans
$567.0MDeposits
$62.6MEquity
Loan mix
68%RE $222.9M15%C&I $50.5M16%Consumer $52.3MQ1 2014Q4 2015
Deposit mix
79%Interest-bearing $448.1M21%Noninterest $118.9MQ1 2014Q4 2015

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2015 SOD (annual) · 0.1% share · #58 of 218 inst. · $0.5B of $384.6B

21.8% DeKalb
0.4% Kane
1.3% La Salle

Executive Summary

  • Earnings: ROA of 0.54%, up 35 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 8.92%.
  • Funding: loans stand at 74.94% of deposits as of Q4 2015.

Return on Assets (YTD, annualized)

0.54%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.92%+5 bps YoY

Efficiency Ratio (YTD, annualized)

83.75%-651 bps YoY

Tier 1 Leverage Ratio

8.92%

NIM

3.12%Q4 ’133.20%Q4 ’143.23%Q4 ’15+8%+2%

Non-interest income vs. expense

3.64%Q4 ’133.64%Q4 ’143.55%Q4 ’15+19%-11%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.30%0.38%0.36%0.20%0.61%0.45%0.44%0.54%+35 bps
Return on Equity3.20%4.05%3.89%2.12%6.47%4.79%4.69%5.74%+361 bps
Net Interest Margin2.81%2.80%2.84%2.88%2.88%2.85%2.90%2.92%+5 bps
Efficiency Ratio87.97%85.99%86.39%90.25%83.93%85.76%85.26%83.75%-651 bps
Non-Interest Burden2.35%2.25%2.30%2.50%2.19%2.26%2.27%2.22%-28 bps
Growth
Asset Growth (YoY)-1.60%-2.24%-0.39%0.31%5.49%2.57%1.56%3.50%+319 bps
Loan Growth (YoY)13.80%10.51%11.88%6.54%6.60%4.13%1.89%3.66%-288 bps
Deposit Growth (YoY)-1.11%-0.91%-0.80%-0.12%5.53%2.48%1.17%3.23%+335 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.18%0.17%0.17%0.10%0.12%0.11%0.11%-6 bps
Allowance / Loans0.85%0.82%0.82%0.95%0.97%0.98%1.00%1.01%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a8.63%8.63%8.72%8.92%n/a
Total Risk-Based Capital13.68%13.67%13.38%13.18%13.37%13.39%13.48%13.67%+49 bps
Equity / Assets9.24%9.49%8.98%9.68%9.18%9.47%9.20%9.89%+21 bps
Liquidity & Funding
Loans / Deposits68.11%70.51%68.11%74.63%68.80%71.65%68.60%74.94%+31 bps
Liquid Assets / Assets4.15%4.25%7.78%1.91%9.52%3.89%9.00%3.35%+144 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a