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First County Bank

New Baden, IL · Cert 10887

FDIC · 7 branches

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

First County Bank

New Baden, IL · Cert 10887

FDIC · 7 branches

Q3 2017

$485.7MAssets
$423.4MLoans
$390.6MDeposits
$44.4MEquity
Loan mix
89%RE $345.7M4%C&I $14.2M8%Consumer $29.7MQ3 2016Q3 2017
Deposit mix
87%Interest-bearing $339.8M13%Noninterest $50.7MQ3 2016Q3 2017

NIM

3.57%Q3 ’153.61%Q3 ’163.67%Q3 ’17-2%+2%

Non-interest income vs. expense

2.41%Q3 ’152.30%Q3 ’162.27%Q3 ’17-4%0%

Market Position · St. Louis, MO-IL · 2017 SOD (annual) · 0.4% share · #34 of 128 inst. · $0.4B of $103.6B

5.7% St. Clair
17.7% Clinton

Executive Summary

  • Earnings: ROA of 0.87%, up 5 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 1.07% of loans (+107 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 8.89%, up 24 bps from a year ago.
  • Funding: loans stand at 108.40% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.87%+5 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+6 bps YoY

Efficiency Ratio (YTD, annualized)

60.97%-148 bps YoY

Tier 1 Leverage Ratio

8.89%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.82%0.82%0.77%0.82%0.87%+5 bps
Return on Equity9.28%9.45%9.09%9.67%10.02%+73 bps
Net Interest Margin2.92%2.91%2.87%2.92%2.98%+6 bps
Efficiency Ratio62.45%61.18%64.13%62.40%60.97%-148 bps
Non-Interest Burden1.53%1.46%1.59%1.55%1.53%0 bps
Growth
Asset Growth (YoY)12.43%10.58%3.15%2.39%-0.61%-1,303 bps
Loan Growth (YoY)11.92%9.76%4.26%3.15%2.44%-948 bps
Deposit Growth (YoY)5.44%4.16%4.45%3.68%0.31%-513 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%1.71%1.58%1.07%+107 bps
Net Charge-Offs / Loans0.24%0.22%0.03%0.00%0.05%-19 bps
Allowance / Loans1.01%1.06%1.07%1.07%1.01%0 bps
Allowance Coverage of NPLsn/an/a0.6x0.7x0.9xn/a
Capital
Tier 1 Leverage Ratio8.65%8.23%8.40%8.58%8.89%+24 bps
Total Risk-Based Capital14.68%13.92%14.33%14.79%14.75%+6 bps
Equity / Assets8.76%8.39%8.47%8.71%9.13%+37 bps
Liquidity & Funding
Loans / Deposits106.15%105.72%101.81%103.34%108.40%+225 bps
Liquid Assets / Assets0.06%0.03%0.03%5.00%0.84%+78 bps
CRE / Total Capitaln/an/an/an/an/an/an/a