PackageTrendsPeer
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Rock River Bank of Oregon

Oregon, IL · Cert 15302

FDIC

Q2 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: Q2 2009, the quarter ended June 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 2026-10-11

Rock River Bank of Oregon

Oregon, IL · Cert 15302

FDIC

Q2 2009

$74.8MAssets
$49.6MLoans
$74.9MDeposits
$-392KEquity
Loan mix
88%RE $27.3M11%C&I $3.5M1%Consumer $0.2MQ2 2008Q2 2009
Deposit mix
87%Interest-bearing $65.1M13%Noninterest $9.8MQ2 2008Q2 2009

NIM

6.57%Q2 ’076.13%Q2 ’084.47%Q2 ’09+11%-28%

Non-interest income vs. expense

3.08%Q2 ’072.49%Q2 ’083.83%Q2 ’09-23%+59%

Executive Summary

  • Earnings: ROA of -14.29%, down 1,552 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 66.22% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-14.29%-1,552 bps YoY

Net Interest Margin (YTD, annualized)

2.78%-108 bps YoY

Efficiency Ratio (YTD, annualized)

112.52%+5,504 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets1.24%1.38%-0.67%-24.67%-14.29%-1,552 bps
Return on Equity19.48%21.82%-11.02%-846%-796%-81,592 bps
Net Interest Margin3.86%3.76%3.75%2.97%2.78%-108 bps
Efficiency Ratio57.48%55.24%61.09%83.84%112.52%+5,504 bps
Non-Interest Burden2.02%1.78%2.08%2.38%3.20%+119 bps
Growth
Asset Growth (YoY)-5.74%1.20%-11.42%-19.29%-15.41%-967 bps
Loan Growth (YoY)17.87%7.76%1.62%-11.58%-11.94%-2,980 bps
Deposit Growth (YoY)-12.22%-5.91%10.21%16.26%9.74%+2,195 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.56%2.09%0.01%0.17%+18 bps
Allowance / Loans0.76%0.36%1.43%3.28%3.46%+270 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 Capital10.61%11.04%10.46%1.74%0.00%-1,061 bps
Equity / Assets6.26%6.19%5.00%0.83%-0.52%-678 bps
Liquidity & Funding
Loans / Deposits82.52%83.00%81.43%66.52%66.22%-1,630 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%5.06%+505 bps
CRE / Total Capitaln/an/an/an/an/an/an/a