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Fayette County Bank

Saint Elmo, IL · Cert 1802

FDIC · 1 branch

Q1 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: Q1 2017, the quarter ended March 31, 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

Fayette County Bank

Saint Elmo, IL · Cert 1802

FDIC · 1 branch

Q1 2017

$34.4MAssets
$27.2MLoans
$34.0MDeposits
$349KEquity
Loan mix
73%RE $18.4M20%C&I $5.0M7%Consumer $1.8MQ1 2016Q1 2017
Deposit mix
88%Interest-bearing $30.0M12%Noninterest $3.9MQ1 2016Q1 2017

NIM

2.89%Q1 ’153.61%Q1 ’163.64%Q1 ’17+36%-2%

Non-interest income vs. expense

2.23%Q1 ’154.80%Q1 ’163.52%Q1 ’17+122%-26%

Executive Summary

  • Earnings: ROA of -1.34%, up 518 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 13.28% of loans (+1,328 bps YoY), with net charge-offs at 2.21%.
  • Capital: tier 1 leverage ratio of 0.91%, down 358 bps from a year ago.
  • Funding: loans stand at 80.06% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.34%+518 bps YoY

Net Interest Margin (YTD, annualized)

2.59%-5 bps YoY

Efficiency Ratio (YTD, annualized)

130.21%-3,995 bps YoY

Tier 1 Leverage Ratio

0.91%-358 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-6.52%-3.55%-2.82%-4.89%-1.34%+518 bps
Return on Equity-136.21%-74.14%-60.68%-122.72%-118.25%+1,796 bps
Net Interest Margin2.64%2.70%2.73%2.57%2.59%-5 bps
Efficiency Ratio170.16%144.49%136.04%152.34%130.21%-3,995 bps
Non-Interest Burden4.62%3.97%3.79%4.00%3.41%-121 bps
Growth
Asset Growth (YoY)-22.88%-20.58%-12.47%-5.41%-0.14%+2,274 bps
Loan Growth (YoY)-6.31%0.93%3.80%-2.81%-3.31%+299 bps
Deposit Growth (YoY)-22.98%-20.71%-12.41%-2.02%3.95%+2,693 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%13.28%+1,328 bps
Net Charge-Offs / Loans12.95%6.27%5.03%5.66%2.21%-1,075 bps
Allowance / Loans4.06%3.97%3.59%4.54%4.28%+22 bps
Allowance Coverage of NPLsn/an/an/an/a0.3xn/an/a
Capital
Tier 1 Leverage Ratio4.49%4.35%3.97%1.20%0.91%-358 bps
Total Risk-Based Capital7.78%7.43%6.69%3.08%2.64%-514 bps
Equity / Assets4.90%4.80%4.25%1.25%1.02%-388 bps
Liquidity & Funding
Loans / Deposits86.07%87.58%83.50%82.79%80.06%-601 bps
Liquid Assets / Assets0.10%0.15%0.15%0.17%0.17%+7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a