PackageTrendsPeer
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Orangeville Community Bank

Orangeville, IL · Cert 17701

FDIC

Q2 2002

$31.0MAssets
$18.8MLoans
$25.0MDeposits
$3.9MEquity
Loan mix
86%RE $9.1M14%C&I $1.5M0%Consumer $0.0MQ3 2000Q2 2002
Deposit mix
92%Interest-bearing $22.9M8%Noninterest $2.1MQ3 2000Q2 2002

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.

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.28%1.36%0.99%1.10%1.23%1.20%0.52%0.90%-20 bps
Return on Equityn/an/an/an/an/an/a4.14%7.11%n/a
Net Interest Marginn/an/a3.22%3.14%3.14%3.14%2.74%2.79%-35 bps
Efficiency Ration/an/a63.24%56.31%51.90%53.26%81.14%63.32%+701 bps
Non-Interest Burdenn/an/a1.89%1.60%1.45%1.49%2.16%1.64%+4 bps
Growth
Asset Growth (YoY)9.18%15.54%12.80%13.20%8.11%0.95%10.17%7.99%-521 bps
Loan Growth (YoY)14.74%8.99%1.91%5.31%1.39%7.63%17.89%13.89%+858 bps
Deposit Growth (YoY)8.46%15.05%11.37%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.00%0.00%-0.01%0.01%-0.02%-0.01%-1 bps
Allowance / Loansn/an/a1.08%1.00%0.97%0.97%0.91%0.88%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/a19.53%20.39%20.58%21.16%19.97%19.61%-77 bps
Equity / Assetsn/an/a12.48%12.42%12.95%12.99%12.23%12.71%+28 bps
Liquidity & Funding
Loans / Deposits72.40%63.57%63.81%67.01%68.92%68.89%72.02%75.27%+826 bps
Liquid Assets / Assets0.00%0.00%0.19%1.23%1.23%1.22%1.15%0.13%-110 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a