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Mercantile Trust & Savings Bank

Quincy, IL · Cert 11301

FDIC · 7 branches

Q1 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: Q1 2019, the quarter ended March 31, 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 2026-10-11

Mercantile Trust & Savings Bank

Quincy, IL · Cert 11301

FDIC · 7 branches

Q1 2019

$467.5MAssets
$283.6MLoans
$343.2MDeposits
$42.0MEquity
Loan mix
58%RE $136.2M28%C&I $65.3M14%Consumer $31.6MQ1 2018Q1 2019
Deposit mix
79%Interest-bearing $270.2M21%Noninterest $72.9MQ1 2018Q1 2019

NIM

3.27%Q1 ’173.44%Q1 ’183.77%Q1 ’19+5%+4%

Non-interest income vs. expense

2.57%Q1 ’172.75%Q1 ’182.59%Q1 ’19+10%+0%

Executive Summary

  • Earnings: ROA of 0.94%, down 181 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.22% of loans (-12 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 8.43%, down 109 bps from a year ago.
  • Funding: loans stand at 82.65% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

0.94%-181 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+10 bps YoY

Efficiency Ratio (YTD, annualized)

63.85%-283 bps YoY

Tier 1 Leverage Ratio

8.43%-109 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets2.76%1.87%1.80%1.60%0.94%-181 bps
Return on Equity27.85%18.61%17.81%16.28%10.65%-1,721 bps
Net Interest Margin2.94%2.96%3.06%3.05%3.05%+10 bps
Efficiency Ratio66.68%65.15%62.94%62.85%63.85%-283 bps
Non-Interest Burden1.70%1.66%1.61%1.61%1.70%0 bps
Growth
Asset Growth (YoY)-4.50%-2.71%0.95%6.55%6.18%+1,068 bps
Loan Growth (YoY)-6.74%-5.97%-3.35%3.97%-0.09%+665 bps
Deposit Growth (YoY)-3.86%-3.04%-0.78%-3.50%-1.61%+224 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.28%0.22%0.20%0.22%-12 bps
Net Charge-Offs / Loans0.33%0.18%0.20%0.18%0.10%-22 bps
Allowance / Loans1.07%1.08%1.10%1.07%1.08%+1 bps
Allowance Coverage of NPLs3.1x3.8x5.0x5.4x4.8x+1.7x
Capital
Tier 1 Leverage Ratio9.52%9.65%9.70%8.42%8.43%-109 bps
Total Risk-Based Capital13.95%14.00%13.92%12.10%12.76%-119 bps
Equity / Assets10.10%10.36%10.23%8.76%8.99%-111 bps
Liquidity & Funding
Loans / Deposits81.39%83.24%83.11%86.90%82.65%+126 bps
Liquid Assets / Assets4.20%3.04%1.64%4.95%7.02%+282 bps
CRE / Total Capitaln/an/an/an/an/an/an/a