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Liberty Bank

Alton, IL · Cert 33873

FDIC · 4 branches

Q4 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: Q4 2017, the quarter ended December 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

Liberty Bank

Alton, IL · Cert 33873

FDIC · 4 branches

Q4 2017

$309.9MAssets
$161.2MLoans
$267.8MDeposits
$35.3MEquity
Loan mix
70%RE $100.9M29%C&I $42.0M1%Consumer $2.1MQ4 2016Q4 2017
Deposit mix
85%Interest-bearing $227.2M15%Noninterest $40.6MQ4 2016Q4 2017

NIM

3.59%Q4 ’153.56%Q4 ’164.06%Q4 ’17-2%+22%

Non-interest income vs. expense

2.53%Q4 ’152.34%Q4 ’162.40%Q4 ’17-9%+8%

Market Position · St. Louis, MO-IL · 2017 SOD (annual) · 0.3% share · #49 of 128 inst. · $0.3B of $103.6B

Executive Summary

  • Earnings: ROA of 1.43%, up 50 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 1.29% of loans (+129 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 9.40%, down 199 bps from a year ago.
  • Funding: loans stand at 60.21% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

1.43%+50 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+70 bps YoY

Efficiency Ratio (YTD, annualized)

49.73%-1,346 bps YoY

Tier 1 Leverage Ratio

9.40%-199 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.93%0.77%1.55%1.47%1.43%+50 bps
Return on Equity7.73%7.11%14.42%13.51%12.98%+524 bps
Net Interest Margin3.13%2.08%3.91%3.87%3.83%+70 bps
Efficiency Ratio63.19%64.78%45.49%48.07%49.73%-1,346 bps
Non-Interest Burden1.77%1.20%1.77%1.85%1.91%+13 bps
Growth
Asset Growth (YoY)0.62%-3.51%-0.91%-3.85%-3.50%-412 bps
Loan Growth (YoY)5.35%-2.32%0.26%-6.01%-8.76%-1,411 bps
Deposit Growth (YoY)0.45%-0.75%3.70%-1.53%-1.30%-176 bps
Asset Quality
Nonperforming Loans / Loans0.00%1.74%1.53%0.86%1.29%+129 bps
Net Charge-Offs / Loans-0.08%0.00%0.00%0.01%0.07%+15 bps
Allowance / Loans1.19%0.02%0.41%0.57%0.64%-55 bps
Allowance Coverage of NPLsn/a0.0x0.3x0.7x0.5xn/a
Capital
Tier 1 Leverage Ratio11.39%7.43%8.61%9.00%9.40%-199 bps
Total Risk-Based Capital17.91%11.48%12.94%14.11%15.05%-286 bps
Equity / Assets12.06%9.59%10.46%11.51%11.38%-68 bps
Liquidity & Funding
Loans / Deposits65.13%60.56%61.66%63.81%60.21%-492 bps
Liquid Assets / Assets1.78%1.68%1.47%1.54%1.38%-40 bps
CRE / Total Capitaln/an/an/an/an/an/an/a