PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Capstone Bank, National Association

Watseka, IL · Cert 18630

FDIC

Q3 2009

$212.1MAssets
$123.1MLoans
$189.8MDeposits
$18.6MEquity
Loan mix
80%RE $83.6M19%C&I $20.3M0%Consumer $0.1MQ3 2008Q3 2009
Deposit mix
88%Interest-bearing $167.3M12%Noninterest $22.5MQ3 2008Q3 2009

NIM

5.99%Q3 ’075.56%Q3 ’084.84%Q3 ’090%-1%

Non-interest income vs. expense

2.69%Q3 ’072.58%Q3 ’084.42%Q3 ’09-7%+106%

Executive Summary

  • Earnings: ROA of -1.43%, down 257 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.17%.
  • Funding: loans stand at 64.85% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-1.43%-257 bps YoY

Net Interest Margin (YTD, annualized)

3.45%-2 bps YoY

Efficiency Ratio (YTD, annualized)

56.55%+55 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets1.13%0.84%0.47%-2.25%-1.43%-257 bps
Return on Equity13.76%10.19%5.71%-27.27%-17.07%-3,083 bps
Net Interest Margin3.47%3.44%3.35%3.29%3.45%-2 bps
Efficiency Ratio56.00%57.41%62.15%60.29%56.55%+55 bps
Non-Interest Burden1.52%1.60%1.70%4.11%3.13%+161 bps
Growth
Asset Growth (YoY)6.15%0.22%4.12%6.24%6.53%+38 bps
Loan Growth (YoY)14.09%13.09%12.09%7.18%2.46%-1,163 bps
Deposit Growth (YoY)5.69%-2.82%5.35%6.73%6.65%+96 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.19%0.60%1.37%1.50%1.17%+97 bps
Allowance / Loans1.40%1.90%2.03%3.76%4.73%+334 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 Capital11.94%11.06%11.11%13.33%13.60%+166 bps
Equity / Assets8.59%8.19%8.34%8.22%8.77%+18 bps
Liquidity & Funding
Loans / Deposits67.50%69.65%66.23%65.31%64.85%-266 bps
Liquid Assets / Assets0.04%0.04%0.03%0.03%0.03%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a