PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $3.8MQ1 2015Q4 2016
Deposit mix
84%Interest-bearing $461.8M16%Noninterest $88.6MQ1 2015Q4 2016

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 0.38%, down 43 bps year over year; NIM at 1.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • 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.

Return on Assets (YTD, annualized)

0.38%-43 bps YoY

Net Interest Margin (YTD, annualized)

1.02%-177 bps YoY

Efficiency Ratio (YTD, annualized)

44.84%-2,266 bps YoY

Tier 1 Leverage Ratio

12.04%+57 bps YoY

NIM

3.13%Q4 ’143.11%Q4 ’151.05%Q4 ’16+2%-63%

Non-interest income vs. expense

2.18%Q4 ’142.14%Q4 ’150.54%Q4 ’16-7%-76%

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets1.02%0.95%0.84%0.81%0.68%0.64%0.13%0.38%-43 bps
Return on Equity7.68%7.09%6.27%6.13%5.23%4.95%1.01%2.82%-331 bps
Net Interest Margin2.97%2.98%2.91%2.80%2.83%2.71%0.30%1.02%-177 bps
Efficiency Ratio64.76%64.26%67.46%67.51%66.61%70.28%33.72%44.84%-2,266 bps
Non-Interest Burden1.76%1.74%1.80%1.73%1.75%1.78%0.09%0.41%-132 bps
Growth
Asset Growth (YoY)-3.63%-7.27%-2.72%7.77%4.28%12.18%8.81%3.52%-425 bps
Loan Growth (YoY)10.01%2.93%5.05%5.13%9.53%11.88%5.74%2.73%-241 bps
Deposit Growth (YoY)-2.94%-9.30%-5.15%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.80%-0.42%-0.27%-0.19%0.00%-0.01%0.00%0.02%+22 bps
Allowance / Loans1.44%1.48%1.41%1.38%1.37%1.39%0.00%0.01%-137 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.88%11.84%11.71%11.47%11.30%10.89%11.99%12.04%+57 bps
Total Risk-Based Capital17.02%17.42%16.82%15.91%14.91%14.93%14.97%15.08%-83 bps
Equity / Assets13.42%13.76%13.36%12.69%13.16%12.82%14.55%14.11%+142 bps
Liquidity & Funding
Loans / Deposits80.17%83.20%83.56%80.02%86.76%82.78%82.78%79.77%-25 bps
Liquid Assets / Assets2.28%2.34%2.51%2.51%1.81%3.33%2.65%2.59%+7 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a