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Reynolds State Bank

Reynolds, IL · Cert 10080

FDIC · 1 branch

Q4 2020

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: Q4 2020, the quarter ended December 31, 2020, 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

Reynolds State Bank

Reynolds, IL · Cert 10080

FDIC · 1 branch

Q4 2020

$108.2MAssets
$9.1MLoans
$94.5MDeposits
$12.9MEquity
Loan mix
77%RE $2.1M20%C&I $0.5M3%Consumer $0.1MQ4 2019Q4 2020
Deposit mix
91%Interest-bearing $86.2M9%Noninterest $8.3MQ4 2019Q4 2020

NIM

3.10%Q4 ’182.84%Q4 ’192.27%Q4 ’20-12%-21%

Non-interest income vs. expense

0.89%Q4 ’180.78%Q4 ’190.66%Q4 ’20-13%-15%

Market Position · Davenport-Moline-Rock Island, IA-IL · 2020 SOD (annual) · 0.9% share · #23 of 32 inst. · $0.1B of $9.1B

Executive Summary

  • Earnings: ROA of 0.91%, down 16 bps year over year; NIM at 1.68%.
  • Asset quality: problem loans at 0.00% of loans (-37 bps YoY), with net recoveries of 0.33%.
  • Capital: tier 1 leverage ratio of 10.24%, down 808 bps from a year ago.
  • Funding: loans stand at 9.59% of deposits as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

0.91%-16 bps YoY

Net Interest Margin (YTD, annualized)

1.68%-46 bps YoY

Efficiency Ratio (YTD, annualized)

39.52%+314 bps YoY

Tier 1 Leverage Ratio

10.24%-808 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets1.07%1.24%1.26%1.02%0.91%-16 bps
Return on Equity4.58%6.39%6.27%5.05%4.95%+37 bps
Net Interest Margin2.14%1.88%1.94%1.82%1.68%-46 bps
Efficiency Ratio36.38%34.03%31.95%38.70%39.52%+314 bps
Non-Interest Burden0.77%0.63%0.62%0.70%0.66%-11 bps
Growth
Asset Growth (YoY)5.25%0.36%-0.91%0.90%2.13%-312 bps
Loan Growth (YoY)18.48%12.70%5.95%-28.29%-38.17%-5,665 bps
Deposit Growth (YoY)10.42%7.64%3.82%6.65%10.84%+42 bps
Asset Quality
Nonperforming Loans / Loans0.37%1.98%2.06%0.00%0.00%-37 bps
Net Charge-Offs / Loans-0.87%0.00%0.00%-0.39%-0.33%+54 bps
Allowance / Loans1.90%1.90%1.99%3.01%3.40%+150 bps
Allowance Coverage of NPLs5.1x1.0x1.0xn/an/an/a
Capital
Tier 1 Leverage Ratio18.32%19.19%20.07%19.39%10.24%-808 bps
Total Risk-Based Capital55.09%49.51%53.27%55.97%32.32%-2,278 bps
Equity / Assets19.07%19.64%21.55%20.41%11.94%-713 bps
Liquidity & Funding
Loans / Deposits17.19%18.47%17.88%12.05%9.59%-760 bps
Liquid Assets / Assets15.22%13.68%15.34%27.17%31.94%+1,672 bps
CRE / Total Capitaln/an/an/an/an/an/an/a