PackageTrendsPeer
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Bank of Dwight

Dwight, IL · Cert 10805

FDIC

Q2 2010

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: Q2 2010, the quarter ended June 30, 2010, 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 Dwight

Dwight, IL · Cert 10805

FDIC

Q2 2010

$57.6MAssets
$27.7MLoans
$51.9MDeposits
$5.4MEquity
Loan mix
39%RE $9.5M61%C&I $15.2M0%Consumer $0.0MQ2 2009Q2 2010
Deposit mix
94%Interest-bearing $49.0M6%Noninterest $2.9MQ2 2009Q2 2010

NIM

5.91%Q2 ’084.86%Q2 ’094.52%Q2 ’10-5%+6%

Non-interest income vs. expense

2.05%Q2 ’081.96%Q2 ’092.83%Q2 ’10-7%+54%

Executive Summary

  • Earnings: ROA of -0.43%, down 95 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.67%.
  • Funding: loans stand at 53.30% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

-0.43%-95 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+17 bps YoY

Efficiency Ratio (YTD, annualized)

86.74%+2,400 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets0.53%0.50%0.46%-1.20%-0.43%-95 bps
Return on Equity5.08%4.82%4.56%-12.64%-4.52%-960 bps
Net Interest Margin2.84%2.72%2.72%3.04%3.02%+17 bps
Efficiency Ratio62.74%60.40%56.82%109.50%86.74%+2,400 bps
Non-Interest Burden1.68%1.54%1.45%3.35%2.59%+90 bps
Growth
Asset Growth (YoY)8.74%17.66%17.32%14.36%10.95%+221 bps
Loan Growth (YoY)-2.84%2.14%1.09%5.22%0.29%+313 bps
Deposit Growth (YoY)13.52%18.82%18.39%16.17%12.30%-122 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.06%0.83%1.22%4.64%2.67%+161 bps
Allowance / Loans1.65%1.89%1.83%1.07%3.26%+161 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 Capital18.55%18.23%18.57%17.57%17.66%-89 bps
Equity / Assets10.10%9.96%9.43%9.49%9.30%-80 bps
Liquidity & Funding
Loans / Deposits59.69%56.95%52.21%55.88%53.30%-638 bps
Liquid Assets / Assets0.08%0.00%0.00%0.00%0.00%-8 bps
CRE / Total Capitaln/an/an/an/an/an/an/a