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A J Smith Federal Savings Bank

Midlothian, IL · Cert 27831

FDIC · 3 branches

Q4 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: Q4 2018, the quarter ended December 31, 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 2026-10-10

A J Smith Federal Savings Bank

Midlothian, IL · Cert 27831

FDIC · 3 branches

Q4 2018

$181.5MAssets
$92.5MLoans
$151.7MDeposits
$27.3MEquity
Loan mix
100%RE $91.8M0%C&I $0.0M0%Consumer $0.1MQ4 2017Q4 2018
Deposit mix
82%Interest-bearing $125.1M18%Noninterest $26.6MQ4 2017Q4 2018

NIM

2.47%Q4 ’162.57%Q4 ’172.84%Q4 ’18+4%+7%

Non-interest income vs. expense

2.18%Q4 ’162.21%Q4 ’172.25%Q4 ’18+3%+2%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 0.0% share · #117 of 189 inst. · $0.2B of $398.0B

Executive Summary

  • Earnings: ROA of 0.42%, up 41 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 1.18% of loans (+7 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 14.81%, up 27 bps from a year ago.
  • Funding: loans stand at 60.99% of deposits as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

0.42%+41 bps YoY

Net Interest Margin (YTD, annualized)

2.48%+17 bps YoY

Efficiency Ratio (YTD, annualized)

82.08%-434 bps YoY

Tier 1 Leverage Ratio

14.81%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.01%10.34%0.36%0.38%0.42%+41 bps
Return on Equity0.04%2.23%2.35%2.50%2.79%+274 bps
Net Interest Margin2.30%2.32%2.38%2.38%2.48%+17 bps
Efficiency Ratio86.42%83.97%83.64%82.76%82.08%-434 bps
Non-Interest Burden1.94%1.90%1.94%1.92%1.98%+3 bps
Growth
Asset Growth (YoY)-4.42%-4.86%-3.79%-8.32%-5.78%-136 bps
Loan Growth (YoY)-7.88%-8.58%-9.21%-8.70%-11.79%-391 bps
Deposit Growth (YoY)-5.35%-5.00%-3.58%-7.32%-5.12%+23 bps
Asset Quality
Nonperforming Loans / Loans1.11%1.29%1.30%1.14%1.18%+7 bps
Net Charge-Offs / Loans0.21%-0.06%-0.04%-0.02%-0.02%-23 bps
Allowance / Loans0.74%0.76%0.76%0.74%0.70%-4 bps
Allowance Coverage of NPLs0.7x0.6x0.6x0.7x0.6x-0.1x
Capital
Tier 1 Leverage Ratio14.54%14.75%15.14%13.96%14.81%+27 bps
Total Risk-Based Capital37.72%38.24%37.00%31.90%34.32%-340 bps
Equity / Assets15.20%15.02%15.26%14.68%15.05%-15 bps
Liquidity & Funding
Loans / Deposits65.60%62.66%62.06%63.06%60.99%-462 bps
Liquid Assets / Assets16.96%17.16%15.57%10.82%13.58%-338 bps
CRE / Total Capitaln/an/an/an/an/an/an/a