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Oswego Community Bank

Oswego, IL · Cert 17899

FDIC

Q1 2013

$193.9MAssets
$83.5MLoans
$180.1MDeposits
$12.7MEquity
Loan mix
92%RE $56.3M6%C&I $3.4M3%Consumer $1.6MQ1 2012Q1 2013
Deposit mix
86%Interest-bearing $154.7M14%Noninterest $25.4MQ1 2012Q1 2013

NIM

3.23%Q1 ’113.80%Q1 ’123.26%Q1 ’13+25%-11%

Non-interest income vs. expense

2.59%Q1 ’113.27%Q1 ’122.62%Q1 ’13+31%-18%

Executive Summary

  • Earnings: ROA of 0.04%, down 14 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.15%.
  • Funding: loans stand at 46.35% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

0.04%-14 bps YoY

Net Interest Margin (YTD, annualized)

2.98%-38 bps YoY

Efficiency Ratio (YTD, annualized)

70.73%-625 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.19%-0.40%-0.18%-0.08%0.04%-14 bps
Return on Equity2.98%-6.43%-2.86%-1.28%0.66%-232 bps
Net Interest Margin3.36%3.29%3.45%3.41%2.98%-38 bps
Efficiency Ratio76.98%76.57%77.30%76.77%70.73%-625 bps
Non-Interest Burden2.64%2.60%2.78%2.73%2.16%-49 bps
Growth
Asset Growth (YoY)13.41%5.91%-2.07%3.90%-10.56%-2,397 bps
Loan Growth (YoY)52.43%28.22%10.57%-8.58%-19.94%-7,237 bps
Deposit Growth (YoY)10.96%5.14%-1.73%4.18%-8.33%-1,929 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.35%1.44%1.10%1.13%1.15%-20 bps
Allowance / Loans2.23%3.22%3.41%3.60%4.08%+185 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 Capital10.71%10.72%11.06%11.73%12.33%+162 bps
Equity / Assets5.87%6.20%6.32%6.53%6.55%+68 bps
Liquidity & Funding
Loans / Deposits53.07%54.20%51.81%49.10%46.35%-672 bps
Liquid Assets / Assets14.42%8.61%7.99%9.89%13.78%-64 bps
CRE / Total Capitaln/an/an/an/an/an/an/a