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Brimfield Bank

Brimfield, IL · Cert 10856

FDIC · 1 branch

Q2 2016

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 2016, the quarter ended June 30, 2016, 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

Brimfield Bank

Brimfield, IL · Cert 10856

FDIC · 1 branch

Q2 2016

$43.5MAssets
$26.2MLoans
$38.5MDeposits
$4.8MEquity
Loan mix
82%RE $17.9M15%C&I $3.3M3%Consumer $0.6MQ2 2015Q2 2016
Deposit mix
76%Interest-bearing $29.2M24%Noninterest $9.3MQ2 2015Q2 2016

NIM

3.36%Q2 ’143.48%Q2 ’152.98%Q2 ’16+4%-14%

Non-interest income vs. expense

4.03%Q2 ’144.27%Q2 ’156.89%Q2 ’16-6%+107%

Market Position · Peoria, IL · 2016 SOD (annual) · 0.5% share · #26 of 40 inst. · $0.0B of $7.2B

Executive Summary

  • Earnings: ROA of -2.13%, down 252 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.65%.
  • Capital: tier 1 leverage ratio of 9.97%, down 58 bps from a year ago.
  • Funding: loans stand at 68.03% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-2.13%-252 bps YoY

Net Interest Margin (YTD, annualized)

2.70%-45 bps YoY

Efficiency Ratio (YTD, annualized)

191.90%+9,755 bps YoY

Tier 1 Leverage Ratio

9.97%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.40%11.17%0.82%0.10%-2.13%-252 bps
Return on Equity3.80%11.12%7.69%0.92%-19.43%-2,323 bps
Net Interest Margin3.15%3.16%3.13%2.95%2.70%-45 bps
Efficiency Ratio94.35%96.31%96.04%104.05%191.90%+9,755 bps
Non-Interest Burden2.89%2.98%2.95%3.09%5.99%+310 bps
Growth
Asset Growth (YoY)-2.45%3.64%-3.98%6.35%-6.36%-390 bps
Loan Growth (YoY)5.04%-1.23%-6.41%-8.24%-22.30%-2,733 bps
Deposit Growth (YoY)-0.63%3.28%1.84%8.83%-4.91%-428 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%-0.17%-0.15%-0.96%-0.65%-74 bps
Allowance / Loans1.65%1.05%1.11%1.25%1.38%-28 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.55%11.25%11.39%11.16%9.97%-58 bps
Total Risk-Based Capital17.58%19.61%20.71%22.77%21.30%+372 bps
Equity / Assets10.62%10.94%11.15%10.74%10.97%+34 bps
Liquidity & Funding
Loans / Deposits83.25%77.87%72.79%65.74%68.03%-1,522 bps
Liquid Assets / Assets2.70%9.90%10.31%25.47%0.32%-237 bps
CRE / Total Capitaln/an/an/an/an/an/an/a