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Community Bank

Hoopeston, IL · Cert 12387

FDIC · 2 branches

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

Community Bank

Hoopeston, IL · Cert 12387

FDIC · 2 branches

Q1 2015

$82.5MAssets
$25.7MLoans
$75.4MDeposits
$7.1MEquity
Loan mix
47%RE $11.0M49%C&I $11.5M5%Consumer $1.1MQ1 2014Q1 2015
Deposit mix
80%Interest-bearing $60.4M20%Noninterest $14.9MQ1 2014Q1 2015

NIM

2.32%Q1 ’132.24%Q1 ’142.16%Q1 ’15+2%-3%

Non-interest income vs. expense

1.78%Q1 ’131.84%Q1 ’141.76%Q1 ’15+9%-7%

Market Position · Danville, IL · 2014 SOD (annual) · 6.9% share · #5 of 16 inst. · $0.1B of $1.1B

Executive Summary

  • Earnings: ROA of 0.42%, up 5 bps year over year; NIM at 1.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.90%.
  • Funding: loans stand at 34.07% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

0.42%+5 bps YoY

Net Interest Margin (YTD, annualized)

1.93%-7 bps YoY

Efficiency Ratio (YTD, annualized)

80.75%-244 bps YoY

Tier 1 Leverage Ratio

7.90%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.37%0.48%0.54%0.50%0.42%+5 bps
Return on Equity4.48%5.78%6.38%5.90%4.91%+42 bps
Net Interest Margin1.99%2.04%2.11%2.08%1.93%-7 bps
Efficiency Ratio83.19%79.14%77.33%78.79%80.75%-244 bps
Non-Interest Burden1.62%1.56%1.57%1.58%1.51%-11 bps
Growth
Asset Growth (YoY)-4.93%-5.00%-7.38%-1.38%-3.14%+178 bps
Loan Growth (YoY)-4.90%0.89%-1.29%-2.48%-7.16%-226 bps
Deposit Growth (YoY)-5.31%-5.24%-8.03%-1.47%-3.56%+175 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.02%0.01%0.01%0.00%0 bps
Allowance / Loans1.02%0.98%0.96%1.01%1.10%+8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a7.90%n/an/a
Total Risk-Based Capital20.99%20.55%20.63%21.83%26.77%+578 bps
Equity / Assets8.20%8.37%8.62%8.58%8.61%+42 bps
Liquidity & Funding
Loans / Deposits35.39%37.88%39.47%37.07%34.07%-132 bps
Liquid Assets / Assets66.13%64.25%62.45%64.70%67.78%+165 bps
CRE / Total Capitaln/an/an/an/an/an/an/a