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Benchmark Bank

Aurora, IL · Cert 10440

FDIC

Q3 2009

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 2009, the quarter ended September 30, 2009, 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 2026-10-10

Benchmark Bank

Aurora, IL · Cert 10440

FDIC

Q3 2009

$173.1MAssets
$128.2MLoans
$182.8MDeposits
$-23388KEquity
Loan mix
73%RE $80.2M27%C&I $30.1M0%Consumer $0.0MQ3 2008Q3 2009
Deposit mix
88%Interest-bearing $160.8M12%Noninterest $21.9MQ3 2008Q3 2009

NIM

7.11%Q3 ’076.21%Q3 ’085.26%Q3 ’09-14%-15%

Non-interest income vs. expense

2.78%Q3 ’072.68%Q3 ’088.83%Q3 ’090%+258%

Executive Summary

  • Earnings: ROA of -23.82%, down 2,354 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 20.53%.
  • Funding: loans stand at 70.13% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-23.82%-2,354 bps YoY

Net Interest Margin (YTD, annualized)

2.54%-46 bps YoY

Efficiency Ratio (YTD, annualized)

283%+20,369 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-0.28%-3.27%-1.53%-25.80%-23.82%-2,354 bps
Return on Equity-3.56%-46.40%-40.50%-163837%813%+81,698 bps
Net Interest Margin2.99%3.05%2.37%2.29%2.54%-46 bps
Efficiency Ratio79.67%82.68%104.96%281%283%+20,369 bps
Non-Interest Burden2.31%2.67%2.51%7.37%8.25%+594 bps
Growth
Asset Growth (YoY)8.30%-2.18%-6.30%-20.61%-21.48%-2,979 bps
Loan Growth (YoY)0.27%-6.38%-8.36%-18.62%-21.03%-2,130 bps
Deposit Growth (YoY)7.57%1.72%-0.61%-8.46%-6.43%-1,400 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.94%1.06%5.00%27.37%20.53%+1,959 bps
Allowance / Loans1.76%5.50%4.76%4.08%8.68%+692 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.48%7.51%7.02%-9.52%-16.77%-2,724 bps
Equity / Assets7.31%4.12%3.42%-8.70%-13.51%-2,082 bps
Liquidity & Funding
Loans / Deposits83.10%80.72%78.46%73.22%70.13%-1,297 bps
Liquid Assets / Assets0.00%8.05%10.44%8.04%8.75%+875 bps
CRE / Total Capitaln/an/an/an/an/an/an/a