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Letter portraitLegal landscapeQuarterYTD

Orangeville Community Bank

Orangeville, IL · Cert 17701

FDIC

Q2 2002

$31.0MAssets
$18.8MLoans
$25.0MDeposits
$3.9MEquity
Deposit mix
92%Interest-bearing $22.9M8%Noninterest $2.1MQ2 2001Q2 2002

NIM

7.22%Q1 ’017.04%Q2 ’015.78%Q2 ’02-3%-11%

Non-interest income vs. expense

2.29%Q1 ’011.99%Q2 ’012.00%Q2 ’02-15%+2%

Executive Summary

  • Earnings: ROA of 0.90%, down 20 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 75.27% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

0.90%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.79%-35 bps YoY

Efficiency Ratio (YTD, annualized)

63.32%+701 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.10%1.23%1.20%0.52%0.90%-20 bps
Return on Equityn/an/an/a4.14%7.11%n/a
Net Interest Margin3.14%3.14%3.14%2.74%2.79%-35 bps
Efficiency Ratio56.31%51.90%53.26%81.14%63.32%+701 bps
Non-Interest Burden1.60%1.45%1.49%2.16%1.64%+4 bps
Growth
Asset Growth (YoY)13.20%8.11%0.95%10.17%7.99%-521 bps
Loan Growth (YoY)5.31%1.39%7.63%17.89%13.89%+858 bps
Deposit Growth (YoY)11.98%6.52%-0.69%4.45%1.39%-1,059 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.01%0.01%-0.02%-0.01%-1 bps
Allowance / Loans1.00%0.97%0.97%0.91%0.88%-12 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 Capital20.39%20.58%21.16%19.97%19.61%-77 bps
Equity / Assets12.42%12.95%12.99%12.23%12.71%+28 bps
Liquidity & Funding
Loans / Deposits67.01%68.92%68.89%72.02%75.27%+826 bps
Liquid Assets / Assets1.23%1.23%1.22%1.15%0.13%-110 bps
CRE / Total Capitaln/an/an/an/an/an/an/a