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Bank of Edwardsville, The

Edwardsville, IL · Cert 1039

FDIC · 19 branches

Q3 2019

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 2019, the quarter ended September 30, 2019, 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 2026-10-10

Bank of Edwardsville, The

Edwardsville, IL · Cert 1039

FDIC · 19 branches

Q3 2019

$1.9BAssets
$871.0MLoans
$1.6BDeposits
$273.1MEquity
Loan mix
82%RE $465.3M13%C&I $74.3M4%Consumer $24.7MQ3 2018Q3 2019
Deposit mix
82%Interest-bearing $1.3B18%Noninterest $0.3BQ3 2018Q3 2019

NIM

2.46%Q3 ’172.85%Q3 ’183.01%Q3 ’19+14%+16%

Non-interest income vs. expense

2.53%Q3 ’172.73%Q3 ’182.77%Q3 ’19-4%+41%

Market Position · St. Louis, MO-IL · 2019 SOD (annual) · 1.8% share · #11 of 123 inst. · $1.6B of $89.5B

24.4% Madison
7.5% St. Clair
0.2% St. Charles

Executive Summary

  • Earnings: ROA of 0.68%, down 19 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.31% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 10.55%, down 27 bps from a year ago.
  • Funding: loans stand at 55.37% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

0.68%-19 bps YoY

Net Interest Margin (YTD, annualized)

2.72%+37 bps YoY

Efficiency Ratio (YTD, annualized)

69.87%-179 bps YoY

Tier 1 Leverage Ratio

10.55%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.87%0.92%0.81%0.77%0.68%-19 bps
Return on Equity8.41%8.74%6.29%5.79%5.07%-334 bps
Net Interest Margin2.35%2.44%2.17%2.67%2.72%+37 bps
Efficiency Ratio71.66%70.18%54.43%65.64%69.87%-179 bps
Non-Interest Burden1.26%1.27%0.98%1.61%1.77%+51 bps
Growth
Asset Growth (YoY)-1.78%-2.82%2.48%5.40%5.40%+718 bps
Loan Growth (YoY)17.99%6.49%1.37%-2.39%-4.76%-2,275 bps
Deposit Growth (YoY)-1.65%-3.66%-1.81%1.19%-0.04%+161 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.37%0.35%0.28%0.31%0 bps
Net Charge-Offs / Loans-0.01%0.00%-0.03%-0.06%0.04%+5 bps
Allowance / Loans1.40%1.42%0.01%0.06%0.09%-130 bps
Allowance Coverage of NPLs4.5x3.8x0.0x0.2x0.3x-4.2x
Capital
Tier 1 Leverage Ratio10.82%11.25%11.10%10.93%10.55%-27 bps
Total Risk-Based Capital17.48%18.18%16.78%17.34%18.08%+60 bps
Equity / Assets10.29%11.27%14.50%13.86%14.05%+377 bps
Liquidity & Funding
Loans / Deposits58.11%61.19%59.93%54.53%55.37%-274 bps
Liquid Assets / Assets3.68%0.54%3.94%11.91%16.74%+1,306 bps
CRE / Total Capitaln/an/an/an/an/an/an/a