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Bank of Modesto

Modesto, IL · Cert 17355

FDIC · 2 branches

Q2 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: Q2 2017, the quarter ended June 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

Bank of Modesto

Modesto, IL · Cert 17355

FDIC · 2 branches

Q2 2017

$48.9MAssets
$28.8MLoans
$43.0MDeposits
$5.6MEquity
Loan mix
83%RE $20.0M10%C&I $2.5M6%Consumer $1.5MQ2 2016Q2 2017
Deposit mix
80%Interest-bearing $34.3M20%Noninterest $8.7MQ2 2016Q2 2017

NIM

3.17%Q2 ’153.31%Q2 ’160.54%Q2 ’17+3%-83%

Non-interest income vs. expense

2.25%Q2 ’152.41%Q2 ’160.35%Q2 ’17+5%-85%

Market Position · St. Louis, MO-IL · 2017 SOD (annual) · 0.0% share · #96 of 128 inst. · $0.0B of $103.6B

Executive Summary

  • Earnings: ROA of 0.10%, down 46 bps year over year; NIM at 0.51%.
  • Asset quality: problem loans at 0.15% of loans (+15 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.82%, up 51 bps from a year ago.
  • Funding: loans stand at 66.88% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.10%-46 bps YoY

Net Interest Margin (YTD, annualized)

0.51%-250 bps YoY

Efficiency Ratio (YTD, annualized)

65.87%-355 bps YoY

Tier 1 Leverage Ratio

10.82%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.56%0.59%0.45%-0.34%0.10%-46 bps
Return on Equity5.53%5.82%4.47%-3.39%0.98%-455 bps
Net Interest Margin3.00%3.08%2.95%2.95%0.51%-250 bps
Efficiency Ratio69.42%69.11%83.59%110.57%65.87%-355 bps
Non-Interest Burden2.11%2.11%2.48%3.28%0.32%-179 bps
Growth
Asset Growth (YoY)0.00%0.78%3.48%1.60%4.82%+482 bps
Loan Growth (YoY)5.97%9.83%4.26%-1.45%-1.24%-721 bps
Deposit Growth (YoY)-0.58%0.32%3.45%1.20%3.48%+406 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.15%+15 bps
Net Charge-Offs / Loans0.01%0.00%0.01%0.00%0.00%-1 bps
Allowance / Loans0.68%0.67%0.66%0.67%0.00%-68 bps
Allowance Coverage of NPLsn/an/an/an/a0.0xn/an/a
Capital
Tier 1 Leverage Ratio10.31%10.57%9.98%9.81%10.82%+51 bps
Total Risk-Based Capital15.74%15.60%15.55%15.83%15.25%-49 bps
Equity / Assets10.38%10.12%9.88%10.02%11.49%+111 bps
Liquidity & Funding
Loans / Deposits70.07%68.43%68.04%68.36%66.88%-320 bps
Liquid Assets / Assets30.15%27.76%31.19%32.89%30.19%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a