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STC Capital Bank

Saint Charles, IL · Cert 58127

FDIC · 5 branches

Q3 2019

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 2019, the quarter ended September 30, 2019, 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

STC Capital Bank

Saint Charles, IL · Cert 58127

FDIC · 5 branches

Q3 2019

$239.5MAssets
$181.2MLoans
$208.1MDeposits
$30.2MEquity
Loan mix
90%RE $110.1M10%C&I $11.7M0%Consumer $0.6MQ3 2018Q3 2019
Deposit mix
70%Interest-bearing $146.6M30%Noninterest $61.5MQ3 2018Q3 2019

NIM

4.28%Q3 ’174.49%Q3 ’184.80%Q3 ’190%+4%

Non-interest income vs. expense

3.12%Q3 ’173.61%Q3 ’183.31%Q3 ’19+9%+2%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2019 SOD (annual) · 0.1% share · #93 of 180 inst. · $0.2B of $415.7B

Executive Summary

  • Earnings: ROA of 0.53%, down 44 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.84% of loans (-81 bps YoY), with net charge-offs at 0.98%.
  • Capital: tier 1 leverage ratio of 11.83%, up 78 bps from a year ago.
  • Funding: loans stand at 87.05% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

0.53%-44 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+15 bps YoY

Efficiency Ratio (YTD, annualized)

76.21%-339 bps YoY

Tier 1 Leverage Ratio

11.83%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.96%0.96%0.74%0.24%0.53%-44 bps
Return on Equity9.32%9.29%6.91%2.27%4.74%-458 bps
Net Interest Margin3.87%3.69%3.76%3.97%4.02%+15 bps
Efficiency Ratio79.60%78.77%80.89%76.21%76.21%-339 bps
Non-Interest Burden2.94%2.79%2.99%2.95%2.99%+4 bps
Growth
Asset Growth (YoY)-0.21%-0.77%4.75%0.59%-9.26%-905 bps
Loan Growth (YoY)-2.24%-2.31%-5.00%-14.48%-16.04%-1,380 bps
Deposit Growth (YoY)5.79%-0.95%4.53%3.07%-11.06%-1,684 bps
Asset Quality
Nonperforming Loans / Loans1.66%1.67%1.63%0.54%0.84%-81 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%1.40%0.98%+99 bps
Allowance / Loans1.19%1.20%1.26%1.20%1.20%+1 bps
Allowance Coverage of NPLs0.7x0.7x0.8x2.2x1.4x+0.7x
Capital
Tier 1 Leverage Ratio11.05%10.67%11.29%10.84%11.83%+78 bps
Total Risk-Based Capital13.56%14.04%15.23%15.65%16.77%+322 bps
Equity / Assets10.70%10.51%10.82%10.69%12.61%+191 bps
Liquidity & Funding
Loans / Deposits92.22%86.97%83.44%78.10%87.05%-517 bps
Liquid Assets / Assets6.00%10.62%14.48%18.11%9.60%+360 bps
CRE / Total Capitaln/an/an/an/an/an/an/a