PackageTrendsPeer
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National Bank of Commerce

Berkeley, IL · Cert 19733

FDIC

Q4 2008

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: Q4 2008, the quarter ended December 31, 2008, 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

National Bank of Commerce

Berkeley, IL · Cert 19733

FDIC

Q4 2008

$419.7MAssets
$235.0MLoans
$395.9MDeposits
$3.5MEquity
Deposit mix
87%Interest-bearing $344.0M13%Noninterest $51.9MQ4 2007Q4 2008

NIM

5.61%Q4 ’066.02%Q4 ’074.68%Q4 ’08+1%-26%

Non-interest income vs. expense

1.88%Q4 ’061.84%Q4 ’071.74%Q4 ’08-3%-8%

Executive Summary

  • Earnings: ROA of -13.49%, down 1,479 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 59.36% of deposits as of Q4 2008.

Financial Results

Return on Assets (YTD, annualized)

-13.49%-1,479 bps YoY

Net Interest Margin (YTD, annualized)

2.36%-84 bps YoY

Efficiency Ratio (YTD, annualized)

67.24%+1,297 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets1.31%1.60%1.48%-16.24%-13.49%-1,479 bps
Return on Equity11.83%15.58%14.94%-213%-214%-22,570 bps
Net Interest Margin3.20%3.25%3.33%3.00%2.36%-84 bps
Efficiency Ratio54.26%54.62%54.10%51.80%67.24%+1,297 bps
Non-Interest Burden1.65%1.66%1.69%1.44%1.51%-13 bps
Growth
Asset Growth (YoY)6.11%2.78%8.48%7.50%-0.67%-678 bps
Loan Growth (YoY)14.74%10.88%4.56%-1.90%-0.91%-1,564 bps
Deposit Growth (YoY)11.08%13.86%7.55%30.30%14.11%+303 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.68%1.76%1.79%1.92%1.95%+27 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 Capital13.54%13.39%12.70%-15.59%-16.53%-3,007 bps
Equity / Assets10.29%10.27%9.21%1.24%0.84%-946 bps
Liquidity & Funding
Loans / Deposits68.36%69.76%69.72%54.53%59.36%-900 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.48%+48 bps
CRE / Total Capitaln/an/an/an/an/an/an/a