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Prospect Federal Savings Bank

Worth, IL · Cert 27993

FDIC · 3 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 2026-10-11

Prospect Federal Savings Bank

Worth, IL · Cert 27993

FDIC · 3 branches

Q1 2017

$235.2MAssets
$57.6MLoans
$203.6MDeposits
$29.7MEquity
Deposit mix
99%Interest-bearing $200.8M1%Noninterest $2.7MQ1 2016Q1 2017

NIM

1.99%Q1 ’152.16%Q1 ’162.46%Q1 ’17+9%+19%

Non-interest income vs. expense

2.03%Q1 ’152.18%Q1 ’165.21%Q1 ’17+2%+142%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.1% share · #104 of 208 inst. · $0.2B of $391.1B

Executive Summary

  • Earnings: ROA of -3.14%, down 276 bps year over year; NIM at 1.86%.
  • Asset quality: problem loans at 2.94% of loans (+294 bps YoY), with net recoveries of 0.26%.
  • Capital: tier 1 leverage ratio of 12.53%, down 64 bps from a year ago.
  • Funding: loans stand at 28.28% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-3.14%-276 bps YoY

Net Interest Margin (YTD, annualized)

1.86%+29 bps YoY

Efficiency Ratio (YTD, annualized)

250%+12,129 bps YoY

Tier 1 Leverage Ratio

12.53%-64 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-0.38%-0.35%-0.39%-0.13%-3.14%-276 bps
Return on Equity-2.86%-2.68%-2.92%-1.02%-24.35%-2,149 bps
Net Interest Margin1.57%1.57%1.62%1.63%1.86%+29 bps
Efficiency Ratio128.99%126.94%126.26%106.96%250%+12,129 bps
Non-Interest Burden2.06%2.03%2.07%1.77%4.99%+293 bps
Growth
Asset Growth (YoY)-1.90%-1.44%-0.90%-0.84%-2.20%-30 bps
Loan Growth (YoY)-2.61%8.42%17.68%23.34%29.04%+3,165 bps
Deposit Growth (YoY)-1.85%-1.36%-0.56%-0.77%-2.12%-27 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%2.94%+294 bps
Net Charge-Offs / Loans0.02%0.05%0.01%0.03%-0.26%-27 bps
Allowance / Loans2.15%1.99%1.84%1.90%1.88%-28 bps
Allowance Coverage of NPLsn/an/an/an/a0.6xn/an/a
Capital
Tier 1 Leverage Ratio13.16%13.06%13.09%13.23%12.53%-64 bps
Total Risk-Based Capital44.87%44.21%42.16%44.04%40.88%-398 bps
Equity / Assets13.23%13.15%13.16%13.15%12.61%-61 bps
Liquidity & Funding
Loans / Deposits21.45%22.84%25.18%26.50%28.28%+683 bps
Liquid Assets / Assets64.32%62.63%61.23%59.88%59.32%-500 bps
CRE / Total Capitaln/an/an/an/an/an/an/a