PackageTrendsPeer
Letter portraitLegal landscape

Alpine Bank of Illinois

Rockford, IL · Cert 18545

FDIC · 19 branches

Q2 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: Q2 2018, the quarter ended June 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

Alpine Bank of Illinois

Rockford, IL · Cert 18545

FDIC · 19 branches

Q2 2018

$1.3BAssets
$781.2MLoans
$1.1BDeposits
$183.3MEquity
Loan mix
65%RE $358.5M22%C&I $120.3M13%Consumer $72.1MQ2 2017Q2 2018
Deposit mix
88%Interest-bearing $978.5M12%Noninterest $131.2MQ2 2017Q2 2018

NIM

3.09%Q2 ’163.26%Q2 ’172.79%Q2 ’18+8%-9%

Non-interest income vs. expense

3.52%Q2 ’163.63%Q2 ’171.62%Q2 ’180%-68%

Market Position · Rockford, IL · 2018 SOD (annual) · 17.7% share · #1 of 25 inst. · $1.1B of $6.2B

15.6% Winnebago
37.7% Boone
0.9% DeKalb

Executive Summary

  • Earnings: ROA of 1.64%, up 36 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.03% of loans (-40 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 8.14%, down 23 bps from a year ago.
  • Funding: loans stand at 70.40% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

1.64%+36 bps YoY

Net Interest Margin (YTD, annualized)

2.79%-26 bps YoY

Efficiency Ratio (YTD, annualized)

38.68%-3,518 bps YoY

Tier 1 Leverage Ratio

8.14%-23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets1.27%1.32%1.36%0.54%1.64%+36 bps
Return on Equity14.86%15.34%15.79%4.96%13.70%-116 bps
Net Interest Margin3.05%3.10%3.17%1.12%2.79%-26 bps
Efficiency Ratio73.86%73.10%72.75%44.63%38.68%-3,518 bps
Non-Interest Burden1.77%1.77%1.79%0.37%0.56%-121 bps
Growth
Asset Growth (YoY)2.64%0.66%-0.49%6.42%2.94%+29 bps
Loan Growth (YoY)5.73%5.19%1.85%-3.57%-5.89%-1,163 bps
Deposit Growth (YoY)3.33%0.77%-0.42%0.50%-2.53%-586 bps
Asset Quality
Nonperforming Loans / Loans0.43%0.53%0.46%0.03%0.03%-40 bps
Net Charge-Offs / Loans0.01%0.02%0.40%0.00%-0.01%-2 bps
Allowance / Loans1.18%1.17%0.78%0.00%0.00%-118 bps
Allowance Coverage of NPLs2.8x2.2x1.7x0.0x0.1x-2.6x
Capital
Tier 1 Leverage Ratio8.37%8.54%8.63%7.67%8.14%-23 bps
Total Risk-Based Capital12.31%12.64%12.48%11.03%11.81%-51 bps
Equity / Assets8.43%8.72%8.68%13.04%13.88%+546 bps
Liquidity & Funding
Loans / Deposits72.92%74.32%75.17%70.55%70.40%-252 bps
Liquid Assets / Assets2.07%1.02%1.08%5.30%4.28%+222 bps
CRE / Total Capitaln/an/an/an/an/an/an/a