PackageTrendsPeer
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Bank of Kenney

Kenney, IL · Cert 22609

FDIC · 1 branch

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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

Bank of Kenney

Kenney, IL · Cert 22609

FDIC · 1 branch

Q2 2015

$17.0MAssets
$6.5MLoans
$9.4MDeposits
$7.2MEquity
Loan mix
91%RE $5.6M9%C&I $0.5M0%Consumer $0.0MQ2 2014Q2 2015
Deposit mix
74%Interest-bearing $7.0M26%Noninterest $2.4MQ2 2014Q2 2015

NIM

1.69%Q2 ’132.12%Q2 ’142.23%Q2 ’15+29%+6%

Non-interest income vs. expense

3.24%Q2 ’137.60%Q2 ’145.37%Q2 ’15+258%-31%

Market Position · Bloomington, IL · 2015 SOD (annual) · 0.1% share · #29 of 34 inst. · $0.0B of $13.7B

Executive Summary

  • Earnings: ROA of -1.50%, up 132 bps year over year; NIM at 2.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 35.56%.
  • Funding: loans stand at 68.82% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

-1.50%+132 bps YoY

Net Interest Margin (YTD, annualized)

2.07%+12 bps YoY

Efficiency Ratio (YTD, annualized)

137.14%+2,621 bps YoY

Tier 1 Leverage Ratio

35.56%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-2.82%-5.94%-5.06%-0.78%-1.50%+132 bps
Return on Equity-12.08%-24.30%-19.88%-2.13%-3.93%+815 bps
Net Interest Margin1.95%2.17%2.46%1.97%2.07%+12 bps
Efficiency Ratio110.94%142.36%143.76%120.74%137.14%+2,621 bps
Non-Interest Burden5.07%6.16%6.53%2.72%3.49%-158 bps
Growth
Asset Growth (YoY)-36.89%-56.87%-49.67%-51.22%-47.37%-1,048 bps
Loan Growth (YoY)-33.08%-48.97%-54.52%-59.70%-49.77%-1,669 bps
Deposit Growth (YoY)-45.96%-68.87%-58.15%-60.68%-56.38%-1,042 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.08%14.71%13.01%0.00%0.00%-108 bps
Allowance / Loans2.52%0.22%0.26%0.31%0.32%-220 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a35.76%35.56%n/a
Total Risk-Based Capital71.11%75.37%102.25%122.02%74.96%+385 bps
Equity / Assets26.09%29.26%31.61%43.32%42.24%+1,615 bps
Liquidity & Funding
Loans / Deposits59.76%61.35%52.18%74.26%68.82%+905 bps
Liquid Assets / Assets54.26%54.40%61.10%54.03%35.13%-1,912 bps
CRE / Total Capitaln/an/an/an/an/an/an/a