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Bank of Quincy

Quincy, IL · Cert 35209

FDIC · 2 branches

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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

Bank of Quincy

Quincy, IL · Cert 35209

FDIC · 2 branches

Q3 2015

$147.8MAssets
$122.8MLoans
$117.0MDeposits
$15.9MEquity
Loan mix
76%RE $75.3M19%C&I $18.9M5%Consumer $4.6MQ3 2014Q3 2015
Deposit mix
86%Interest-bearing $100.8M14%Noninterest $16.2MQ3 2014Q3 2015

NIM

4.43%Q3 ’134.19%Q3 ’144.27%Q3 ’15-4%+3%

Non-interest income vs. expense

2.77%Q3 ’132.73%Q3 ’142.62%Q3 ’15+6%-5%

Executive Summary

  • Earnings: ROA of 1.30%, down 1 bps year over year; NIM at 3.65%.
  • 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 10.82%.
  • Funding: loans stand at 104.94% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

1.30%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+9 bps YoY

Efficiency Ratio (YTD, annualized)

62.88%-398 bps YoY

Tier 1 Leverage Ratio

10.82%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets1.32%1.14%1.28%1.48%1.30%-1 bps
Return on Equity12.14%10.59%11.92%13.77%12.14%0 bps
Net Interest Margin3.56%3.58%3.67%3.70%3.65%+9 bps
Efficiency Ratio66.86%66.93%62.08%62.19%62.88%-398 bps
Non-Interest Burden2.21%2.24%2.09%2.12%2.10%-11 bps
Growth
Asset Growth (YoY)13.32%8.64%3.11%8.17%3.35%-997 bps
Loan Growth (YoY)13.90%14.35%7.64%8.41%4.88%-902 bps
Deposit Growth (YoY)16.05%6.37%3.41%5.19%3.72%-1,233 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.06%0.19%-0.01%0.01%0.02%+7 bps
Allowance / Loans0.91%0.91%1.02%0.97%1.13%+21 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a10.82%11.08%10.82%n/a
Total Risk-Based Capital13.89%13.79%14.08%13.98%13.92%+3 bps
Equity / Assets10.92%10.41%11.00%10.79%10.75%-16 bps
Liquidity & Funding
Loans / Deposits103.78%108.52%104.15%108.28%104.94%+116 bps
Liquid Assets / Assets4.00%3.56%4.85%3.58%4.11%+11 bps
CRE / Total Capitaln/an/an/an/an/an/an/a