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Leaders Bank, The

Oak Brook, IL · Cert 35422

FDIC · 1 branch

Q1 2022

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: Q1 2022, the quarter ended March 31, 2022, 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

Leaders Bank, The

Oak Brook, IL · Cert 35422

FDIC · 1 branch

Q1 2022

$345.4MAssets
$235.0MLoans
$278.6MDeposits
$46.7MEquity
Loan mix
77%RE $123.7M22%C&I $35.3M1%Consumer $2.2MQ1 2021Q1 2022
Deposit mix
69%Interest-bearing $191.2M31%Noninterest $87.4MQ1 2021Q1 2022

NIM

4.07%Q1 ’203.47%Q1 ’213.13%Q1 ’22+3%+2%

Non-interest income vs. expense

2.43%Q1 ’202.34%Q1 ’212.65%Q1 ’22-3%+15%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2021 SOD (annual) · 0.1% share · #91 of 168 inst. · $0.3B of $568.2B

Executive Summary

  • Earnings: ROA of 0.25%, down 16 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.05% of loans (-21 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.80%, up 98 bps from a year ago.
  • Funding: loans stand at 84.34% of deposits as of Q1 2022.

Financial Results

Return on Assets (YTD, annualized)

0.25%-16 bps YoY

Net Interest Margin (YTD, annualized)

2.81%+7 bps YoY

Efficiency Ratio (YTD, annualized)

92.10%+948 bps YoY

Tier 1 Leverage Ratio

12.80%+98 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets0.41%0.49%0.46%0.67%0.25%-16 bps
Return on Equity3.27%3.96%3.67%5.30%1.84%-143 bps
Net Interest Margin2.74%2.82%2.81%3.01%2.81%+7 bps
Efficiency Ratio82.62%80.06%80.39%75.48%92.10%+948 bps
Non-Interest Burden2.23%2.22%2.22%2.23%2.56%+33 bps
Growth
Asset Growth (YoY)5.31%-2.40%-0.82%-0.69%-5.45%-1,076 bps
Loan Growth (YoY)6.54%-13.40%-13.66%-9.80%-14.57%-2,111 bps
Deposit Growth (YoY)2.15%-4.95%-0.38%-0.49%-6.53%-869 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.27%0.27%0.04%0.05%-21 bps
Net Charge-Offs / Loans0.28%0.16%0.03%0.01%0.00%-28 bps
Allowance / Loans1.46%1.66%1.75%1.74%1.82%+35 bps
Allowance Coverage of NPLs5.9x6.1x6.5x38.8x40.3x+34.4x
Capital
Tier 1 Leverage Ratio11.83%11.95%12.11%12.43%12.80%+98 bps
Total Risk-Based Capital18.49%19.79%19.68%19.83%20.22%+173 bps
Equity / Assets12.31%12.62%12.74%13.26%13.52%+120 bps
Liquidity & Funding
Loans / Deposits92.27%84.36%83.17%86.01%84.34%-793 bps
Liquid Assets / Assets16.90%24.91%26.45%25.01%26.56%+966 bps
CRE / Total Capitaln/an/an/an/an/an/an/a