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Homestar Bank

Manteno, IL · Cert 16375

FDIC · 5 branches

Q3 2019

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 2019, the quarter ended September 30, 2019, 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

Homestar Bank

Manteno, IL · Cert 16375

FDIC · 5 branches

Q3 2019

$396.8MAssets
$211.9MLoans
$344.7MDeposits
$36.9MEquity
Loan mix
78%RE $142.6M20%C&I $36.6M2%Consumer $4.4MQ3 2018Q3 2019
Deposit mix
81%Interest-bearing $278.8M19%Noninterest $65.8MQ3 2018Q3 2019

NIM

3.29%Q3 ’173.46%Q3 ’181.32%Q3 ’19+5%-63%

Non-interest income vs. expense

3.88%Q3 ’174.33%Q3 ’181.11%Q3 ’19-11%-71%

Market Position · Kankakee, IL · 2019 SOD (annual) · 16.8% share · #1 of 16 inst. · $0.3B of $1.9B

16.8% Kankakee
0.1% Will

Executive Summary

  • Earnings: ROA of 0.46%, down 80 bps year over year; NIM at 1.24%.
  • Asset quality: problem loans at 0.36% of loans (-162 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 6.44%, down 110 bps from a year ago.
  • Funding: loans stand at 61.50% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

0.46%-80 bps YoY

Net Interest Margin (YTD, annualized)

1.24%-208 bps YoY

Efficiency Ratio (YTD, annualized)

60.13%-1,626 bps YoY

Tier 1 Leverage Ratio

6.44%-110 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets1.26%1.17%-2.40%1.21%0.46%-80 bps
Return on Equity16.73%15.32%-29.77%14.23%5.28%-1,144 bps
Net Interest Margin3.32%3.42%3.69%3.76%1.24%-208 bps
Efficiency Ratio76.39%78.98%80.45%64.98%60.13%-1,626 bps
Non-Interest Burden1.95%2.15%2.57%0.72%0.57%-138 bps
Growth
Asset Growth (YoY)5.54%4.68%6.88%3.22%7.64%+210 bps
Loan Growth (YoY)11.63%12.36%6.17%5.20%-3.74%-1,537 bps
Deposit Growth (YoY)2.72%1.14%3.75%-0.54%4.65%+192 bps
Asset Quality
Nonperforming Loans / Loans1.98%1.00%0.44%0.50%0.36%-162 bps
Net Charge-Offs / Loans0.04%0.05%0.39%0.18%-0.01%-5 bps
Allowance / Loans1.44%1.40%1.38%1.44%0.01%-144 bps
Allowance Coverage of NPLs0.7x1.4x3.1x2.9x0.0x-0.7x
Capital
Tier 1 Leverage Ratio7.54%7.75%7.09%8.23%6.44%-110 bps
Total Risk-Based Capital12.99%12.93%13.41%15.08%11.41%-158 bps
Equity / Assets7.66%8.09%8.04%9.40%9.30%+164 bps
Liquidity & Funding
Loans / Deposits66.85%66.85%65.54%69.21%61.50%-536 bps
Liquid Assets / Assets4.95%5.77%17.92%18.19%19.62%+1,467 bps
CRE / Total Capitaln/an/an/an/an/an/an/a