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Frontenac Bank

Earth City, MO · Cert 34986

FDIC · 4 branches

Q2 2016

$268.4MAssets
$192.0MLoans
$223.7MDeposits
$32.7MEquity
Loan mix
82%RE $87.8M18%C&I $19.0M0%Consumer $0.5MQ3 2014Q2 2016
Deposit mix
97%Interest-bearing $216.4M3%Noninterest $7.3MQ3 2014Q2 2016

Market Position · St. Louis, MO-IL · 2016 SOD (annual) · 0.2% share · #56 of 132 inst. · $0.2B of $95.1B

0.2% St. Louis
0.3% St. Louis (City)
1.1% St. Charles

Executive Summary

  • Earnings: ROA of -0.15%, down 60 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.01%.
  • Capital: tier 1 leverage ratio of 10.44%, up 13 bps from a year ago.
  • Funding: loans stand at 85.83% of deposits as of Q2 2016.

Return on Assets (YTD, annualized)

-0.15%-60 bps YoY

Net Interest Margin (YTD, annualized)

2.72%-26 bps YoY

Efficiency Ratio (YTD, annualized)

122.51%+4,002 bps YoY

Tier 1 Leverage Ratio

10.44%+13 bps YoY

NIM

3.55%Q2 ’143.48%Q2 ’153.33%Q2 ’16+1%-9%

Non-interest income vs. expense

2.71%Q2 ’142.39%Q2 ’152.84%Q2 ’16-17%+32%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.17%2.32%0.57%10.45%0.42%0.40%0.31%1-0.15%-60 bps
Return on Equity1.83%23.99%4.87%3.85%3.62%3.40%2.67%-1.31%-516 bps
Net Interest Margin3.04%3.00%3.04%2.98%2.95%2.87%2.70%2.72%-26 bps
Efficiency Ratio95.05%94.11%82.16%82.50%80.31%79.87%89.22%122.51%+4,002 bps
Non-Interest Burden2.90%2.83%2.45%2.43%2.34%2.26%2.40%3.20%+77 bps
Growth
Asset Growth (YoY)0.28%0.03%-3.32%3.72%3.87%5.16%5.03%-4.39%-812 bps
Loan Growth (YoY)2.74%3.85%1.88%0.72%3.20%-2.58%-3.01%-6.23%-695 bps
Deposit Growth (YoY)2.02%-1.27%-5.80%-1.31%2.94%1.31%2.81%-6.07%-477 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 / Loans0.52%0.31%0.10%0.05%0.06%0.59%1.98%1.01%+97 bps
Allowance / Loans2.29%2.30%2.33%2.33%2.39%1.99%1.51%1.53%-80 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a10.55%10.31%10.44%10.23%10.36%10.44%+13 bps
Total Risk-Based Capital13.89%13.93%14.54%14.45%14.75%15.02%15.06%15.24%+79 bps
Equity / Assets9.56%11.74%11.86%11.51%11.77%11.47%11.62%12.17%+67 bps
Liquidity & Funding
Loans / Deposits83.30%86.20%87.25%85.97%83.50%82.89%82.31%85.83%-14 bps
Liquid Assets / Assets5.18%6.13%6.38%7.30%6.17%4.97%6.02%5.25%-205 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a