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Mazon State Bank

Mazon, IL · Cert 16179

FDIC · 3 branches

Q2 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: Q2 2016, the quarter ended June 30, 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

Mazon State Bank

Mazon, IL · Cert 16179

FDIC · 3 branches

Q2 2016

$81.7MAssets
$32.6MLoans
$73.1MDeposits
$7.7MEquity
Loan mix
89%RE $23.8M5%C&I $1.3M6%Consumer $1.6MQ2 2015Q2 2016
Deposit mix
71%Interest-bearing $51.6M29%Noninterest $21.5MQ2 2015Q2 2016

NIM

2.94%Q2 ’142.62%Q2 ’152.75%Q2 ’16-9%+7%

Non-interest income vs. expense

3.54%Q2 ’143.22%Q2 ’153.76%Q2 ’16-9%+27%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.0% share · #163 of 208 inst. · $0.1B of $391.1B

4.6% Grundy
0.2% Will

Executive Summary

  • Earnings: ROA of -0.36%, down 48 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 8.87%, up 46 bps from a year ago.
  • Funding: loans stand at 44.66% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.36%-48 bps YoY

Net Interest Margin (YTD, annualized)

2.64%+17 bps YoY

Efficiency Ratio (YTD, annualized)

109.65%+1,348 bps YoY

Tier 1 Leverage Ratio

8.87%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.12%0.32%0.19%0.45%-0.36%-48 bps
Return on Equity1.39%3.83%2.18%5.00%-3.93%-532 bps
Net Interest Margin2.47%2.60%2.61%2.58%2.64%+17 bps
Efficiency Ratio96.17%91.37%94.67%93.73%109.65%+1,348 bps
Non-Interest Burden2.34%2.29%2.42%2.37%2.98%+63 bps
Growth
Asset Growth (YoY)-0.91%-0.03%-4.67%-3.41%-5.70%-479 bps
Loan Growth (YoY)-1.59%-1.21%-7.24%-2.68%-2.89%-130 bps
Deposit Growth (YoY)-1.41%-6.31%-1.44%-4.70%-4.09%-268 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.21%0.13%0.11%0.46%0.26%+6 bps
Allowance / Loans0.58%0.59%0.62%0.52%0.69%+10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.41%8.79%8.87%9.10%8.87%+46 bps
Total Risk-Based Capital14.21%14.58%14.52%14.72%14.62%+41 bps
Equity / Assets8.31%8.71%8.78%9.23%9.47%+116 bps
Liquidity & Funding
Loans / Deposits44.11%45.58%44.68%42.88%44.66%+55 bps
Liquid Assets / Assets2.09%2.00%1.90%2.14%1.96%-13 bps
CRE / Total Capitaln/an/an/an/an/an/an/a