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Illini Bank

Springfield, IL · Cert 19980

FDIC · 11 branches

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 2026-10-10

Illini Bank

Springfield, IL · Cert 19980

FDIC · 11 branches

Q1 2017

$276.5MAssets
$127.3MLoans
$234.0MDeposits
$32.2MEquity
Loan mix
82%RE $72.2M16%C&I $14.2M1%Consumer $1.1MQ1 2016Q1 2017
Deposit mix
82%Interest-bearing $192.9M18%Noninterest $41.0MQ1 2016Q1 2017

NIM

3.39%Q1 ’153.33%Q1 ’163.74%Q1 ’17+0%+20%

Non-interest income vs. expense

3.50%Q1 ’153.58%Q1 ’163.19%Q1 ’17+10%-30%

Market Position · Springfield, IL · 2016 SOD (annual) · 3.1% share · #10 of 28 inst. · $0.2B of $5.7B

3.3% Sangamon
5.7% Logan
0.1% McLean
2.1% Christian

Executive Summary

  • Earnings: ROA of 1.58%, up 303 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 2.11% of loans (+211 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.07%, down 64 bps from a year ago.
  • Funding: loans stand at 54.40% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

1.58%+303 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+62 bps YoY

Efficiency Ratio (YTD, annualized)

57.27%-2,628 bps YoY

Tier 1 Leverage Ratio

8.07%-64 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-1.45%-0.17%0.05%10.32%1.58%+303 bps
Return on Equity-16.29%-1.93%0.56%3.36%13.60%+2,989 bps
Net Interest Margin3.10%3.10%2.98%0.39%3.72%+62 bps
Efficiency Ratio83.54%78.87%77.40%49.82%57.27%-2,628 bps
Non-Interest Burden2.40%2.16%1.98%-0.04%1.68%-72 bps
Growth
Asset Growth (YoY)-2.39%-1.39%1.99%-0.63%-1.90%+48 bps
Loan Growth (YoY)-6.87%-5.95%-9.76%-13.83%-22.49%-1,562 bps
Deposit Growth (YoY)-0.02%0.52%2.81%-3.44%-5.22%-520 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%2.11%+211 bps
Net Charge-Offs / Loans5.54%2.82%2.53%0.06%0.01%-553 bps
Allowance / Loans1.56%1.59%1.52%0.09%0.22%-134 bps
Allowance Coverage of NPLsn/an/an/an/a0.1xn/an/a
Capital
Tier 1 Leverage Ratio8.71%8.93%8.84%8.88%8.07%-64 bps
Total Risk-Based Capital12.26%12.98%13.45%12.39%12.38%+12 bps
Equity / Assets8.75%9.01%9.00%11.59%11.65%+289 bps
Liquidity & Funding
Loans / Deposits66.52%65.13%61.82%59.71%54.40%-1,212 bps
Liquid Assets / Assets6.61%10.08%8.00%8.40%12.87%+626 bps
CRE / Total Capitaln/an/an/an/an/an/an/a