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National Bank of Petersburg

Petersburg, IL · Cert 16718

FDIC · 2 branches

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

National Bank of Petersburg

Petersburg, IL · Cert 16718

FDIC · 2 branches

Q3 2018

$143.2MAssets
$72.0MLoans
$127.6MDeposits
$14.2MEquity
Loan mix
80%RE $43.8M8%C&I $4.4M12%Consumer $6.5MQ3 2017Q3 2018
Deposit mix
81%Interest-bearing $103.6M19%Noninterest $24.0MQ3 2017Q3 2018

NIM

2.83%Q3 ’162.94%Q3 ’173.10%Q3 ’18+5%+5%

Non-interest income vs. expense

2.31%Q3 ’162.27%Q3 ’172.20%Q3 ’180%-1%

Market Position · Springfield, IL · 2018 SOD (annual) · 2.2% share · #12 of 27 inst. · $0.1B of $6.0B

Executive Summary

  • Earnings: ROA of 0.94%, up 6 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.51% of loans (+23 bps YoY), with net charge-offs at 0.46%.
  • Capital: tier 1 leverage ratio of 11.28%, down 7 bps from a year ago.
  • Funding: loans stand at 56.44% of deposits as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

0.94%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+15 bps YoY

Efficiency Ratio (YTD, annualized)

66.21%-429 bps YoY

Tier 1 Leverage Ratio

11.28%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.88%0.98%0.84%1.05%0.94%+6 bps
Return on Equity8.72%9.83%8.97%11.18%9.83%+111 bps
Net Interest Margin2.71%2.74%2.80%2.81%2.86%+15 bps
Efficiency Ratio70.51%68.44%72.59%66.56%66.21%-429 bps
Non-Interest Burden1.76%1.69%1.91%1.71%1.74%-2 bps
Growth
Asset Growth (YoY)3.37%1.04%1.86%3.04%-0.97%-434 bps
Loan Growth (YoY)5.56%4.22%1.63%-1.51%-5.18%-1,075 bps
Deposit Growth (YoY)4.18%1.23%2.44%4.15%-0.20%-438 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.44%0.14%0.44%0.51%+23 bps
Net Charge-Offs / Loans0.19%0.21%0.01%0.08%0.46%+27 bps
Allowance / Loans1.16%1.15%1.20%1.20%1.16%0 bps
Allowance Coverage of NPLs4.2x2.6x8.6x2.8x2.3x-1.9x
Capital
Tier 1 Leverage Ratio11.35%10.72%10.69%10.91%11.28%-7 bps
Total Risk-Based Capital20.13%18.27%18.86%19.98%20.55%+42 bps
Equity / Assets10.46%9.59%9.20%9.40%9.94%-52 bps
Liquidity & Funding
Loans / Deposits59.41%59.76%56.01%54.86%56.44%-297 bps
Liquid Assets / Assets5.92%4.34%9.22%9.90%7.90%+197 bps
CRE / Total Capitaln/an/an/an/an/an/an/a