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First Clover Leaf Bank, FSB

Edwardsville, IL · Cert 30330

FDIC · 7 branches

Q4 2016

$677.7MAssets
$439.1MLoans
$550.4MDeposits
$95.6MEquity
Loan mix
79%RE $262.8M20%C&I $68.1M1%Consumer $3.8MQ4 2015Q4 2016
Deposit mix
84%Interest-bearing $461.8M16%Noninterest $88.6MQ4 2015Q4 2016

NIM

3.20%Q4 ’143.12%Q4 ’153.32%Q4 ’16-2%+15%

Non-interest income vs. expense

2.27%Q4 ’142.16%Q4 ’151.78%Q4 ’16-10%-19%

Market Position · St. Louis, MO-IL · 2016 SOD (annual) · 0.6% share · #23 of 132 inst. · $0.5B of $95.1B

10.8% Madison
0.4% St. Clair
0.0% St. Louis

Executive Summary

  • Earnings: ROA of 1.10%, up 35 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 12.04%, up 57 bps from a year ago.
  • Funding: loans stand at 79.77% of deposits as of Q4 2016.

Financial Results

Return on Assets (quarter, annualized)

1.10%+35 bps YoY

Net Interest Margin (quarter, annualized)

3.18%+41 bps YoY

Efficiency Ratio (quarter, annualized)

47.95%-1,969 bps YoY

Tier 1 Leverage Ratio

12.04%+57 bps YoY

Discrete quarter, annualized.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.75%0.68%0.61%-0.85%1.10%+35 bps
Return on Equity5.74%5.23%4.68%-6.22%7.68%+194 bps
Net Interest Margin2.77%2.83%2.74%-4.68%3.18%+41 bps
Efficiency Ratio67.64%66.61%73.83%37.72%47.95%-1,969 bps
Non-Interest Burden1.70%1.75%1.90%-3.34%1.38%-32 bps
Growth
Asset Growth (YoY)7.77%4.28%12.18%8.81%3.52%-425 bps
Loan Growth (YoY)5.13%9.53%11.88%5.74%2.73%-241 bps
Deposit Growth (YoY)4.44%1.21%12.44%6.73%3.04%-139 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.00%-0.02%0.01%0.10%+8 bps
Allowance / Loans1.38%1.37%1.39%0.00%0.01%-137 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.47%11.30%10.89%11.99%12.04%+57 bps
Total Risk-Based Capital15.91%14.91%14.93%14.97%15.08%-83 bps
Equity / Assets12.69%13.16%12.82%14.55%14.11%+142 bps
Liquidity & Funding
Loans / Deposits80.02%86.76%82.78%82.78%79.77%-25 bps
Liquid Assets / Assets2.51%1.81%3.33%2.65%2.59%+7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a