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Port Byron State Bank

Port Byron, IL · Cert 14085

FDIC · 3 branches

Q1 2016

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 2016, the quarter ended March 31, 2016, 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

Port Byron State Bank

Port Byron, IL · Cert 14085

FDIC · 3 branches

Q1 2016

$71.9MAssets
$40.5MLoans
$63.4MDeposits
$7.5MEquity
Loan mix
84%RE $27.7M11%C&I $3.7M5%Consumer $1.5MQ1 2015Q1 2016
Deposit mix
91%Interest-bearing $57.7M9%Noninterest $5.7MQ1 2015Q1 2016

NIM

3.03%Q1 ’143.13%Q1 ’153.09%Q1 ’16+7%-1%

Non-interest income vs. expense

4.19%Q1 ’143.67%Q1 ’153.73%Q1 ’16-13%+2%

Market Position · Davenport-Moline-Rock Island, IA-IL · 2015 SOD (annual) · 0.9% share · #25 of 38 inst. · $0.1B of $7.5B

2.0% Rock Island
1.1% Henry

Executive Summary

  • Earnings: ROA of -0.37%, down 12 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.22%, up 29 bps from a year ago.
  • Funding: loans stand at 63.81% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.37%-12 bps YoY

Net Interest Margin (YTD, annualized)

2.79%-3 bps YoY

Efficiency Ratio (YTD, annualized)

116.61%+337 bps YoY

Tier 1 Leverage Ratio

9.22%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-0.26%-0.13%-0.11%-0.08%-0.37%-12 bps
Return on Equity-2.53%-1.24%-1.11%-0.79%-3.55%-102 bps
Net Interest Margin2.82%2.94%2.93%2.92%2.79%-3 bps
Efficiency Ratio113.24%108.15%107.38%106.22%116.61%+337 bps
Non-Interest Burden3.22%3.18%3.14%3.09%3.29%+7 bps
Growth
Asset Growth (YoY)-5.58%-5.57%-4.63%-3.56%-4.54%+105 bps
Loan Growth (YoY)12.80%12.06%4.64%-3.80%-8.89%-2,169 bps
Deposit Growth (YoY)-6.55%-5.70%-5.51%-3.99%-5.12%+142 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%0.12%0.93%0.71%0.00%+4 bps
Allowance / Loans2.35%2.24%1.72%1.75%1.83%-52 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.93%9.08%9.20%9.32%9.22%+29 bps
Total Risk-Based Capital15.61%15.40%15.97%16.15%16.36%+75 bps
Equity / Assets10.07%10.14%10.55%10.47%10.49%+42 bps
Liquidity & Funding
Loans / Deposits66.45%68.32%67.82%66.30%63.81%-264 bps
Liquid Assets / Assets8.36%8.92%9.19%11.55%11.35%+300 bps
CRE / Total Capitaln/an/an/an/an/an/an/a