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West Town Savings Bank

Cicero, IL · Cert 28151

FDIC · 1 branch

Q3 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=65 to 66). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

46

Q2 2024Q3 2024peer median (50)

Asset Quality

10

Q2 2024Q3 2024peer median (50)

Profitability

71

Q2 2024Q3 2024peer median (50)

Liquidity

52

Q2 2024Q3 2024peer median

Efficiency

61

Q2 2024Q3 2024peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

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

West Town Savings Bank

Cicero, IL · Cert 28151

FDIC · 1 branch

Q3 2024

$518.4MAssets
$424.5MLoans
$453.9MDeposits
$61.8MEquity
Loan mix
32%RE $133.9M68%C&I $281.0M0%Consumer $0.0MQ3 2023Q3 2024
Deposit mix
80%Interest-bearing $364.3M20%Noninterest $89.6MQ3 2023Q3 2024

NIM

5.23%Q3 ’226.82%Q3 ’237.16%Q3 ’24+0%-11%

Non-interest income vs. expense

9.83%Q3 ’224.03%Q3 ’233.53%Q3 ’24-82%+124%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2024 SOD (annual) · 0.1% share · #75 of 157 inst. · $0.4B of $586.9B

Executive Summary

  • Earnings: ROA of 0.89%, down 162 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 4.15% of loans (+46 bps YoY), with net charge-offs at 0.35%.
  • Capital: tier 1 leverage ratio of 11.48%, down 49 bps from a year ago.
  • Funding: loans stand at 93.51% of deposits as of Q3 2024.

Financial Results

Return on Assets (YTD, annualized)

0.89%-162 bps YoY

Net Interest Margin (YTD, annualized)

4.19%-53 bps YoY

Efficiency Ratio (YTD, annualized)

69.75%+1,631 bps YoY

Tier 1 Leverage Ratio

11.48%-49 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets2.51%2.42%0.79%0.69%0.89%-162 bps
Return on Equity21.95%21.19%6.77%5.93%7.65%-1,430 bps
Net Interest Margin4.73%4.49%4.34%4.42%4.19%-53 bps
Efficiency Ratio53.44%52.41%70.62%65.56%69.75%+1,631 bps
Non-Interest Burden1.18%1.22%2.90%2.58%2.64%+146 bps
Growth
Asset Growth (YoY)16.37%24.21%11.87%16.66%14.10%-227 bps
Loan Growth (YoY)18.80%19.43%13.05%22.70%10.34%-846 bps
Deposit Growth (YoY)21.37%38.95%11.88%5.71%14.48%-689 bps
Asset Quality
Nonperforming Loans / Loans3.69%4.07%4.38%3.93%4.15%+46 bps
Net Charge-Offs / Loans0.15%0.03%0.02%0.49%0.35%+21 bps
Allowance / Loans1.59%1.73%1.80%1.80%1.80%+21 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.5x0.4x0.0x
Capital
Tier 1 Leverage Ratio11.98%12.01%11.90%12.11%11.48%-49 bps
Total Risk-Based Capital14.54%15.37%15.34%14.79%15.41%+87 bps
Equity / Assets11.67%11.27%12.14%11.36%11.93%+26 bps
Liquidity & Funding
Loans / Deposits97.02%90.88%100.74%108.84%93.51%-351 bps
Liquid Assets / Assets6.33%12.00%5.61%6.43%13.78%+745 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

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. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

West Town Savings Bank

Cicero, IL · Cert 28151 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=65-66)

FDIC · 1 branch

Q3 2024

$518.4MAssets
$424.5MLoans
$453.9MDeposits
$61.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 83% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 11 of 66).
  • Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 61 of 65).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.86%

Rank 22 of 66

Net Interest Margin

4.19%

Rank 11 of 66

Efficiency Ratio

69.75%

Rank 27 of 66

Equity / Assets

11.93%

Rank 28 of 66

Non-interest income vs. expense

$4.6M$18.1MINCOMEEXPENSE
Unfavorable gap of $13.6M · efficiency ratio beats 61% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 69.75%Peer median 76.3%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.86%0.19%0.69%0.95%Beats 67%22 / 66
Return on Equity7.22%1.41%5.65%9.08%Beats 62%25 / 66
Net Interest Margin4.19%2.49%3.21%3.81%Beats 83%11 / 66
Efficiency Ratio69.75%61.20%76.34%90.22%Beats 61%27 / 66
Asset Quality
Nonperforming Loans / Loans4.15%0.10%0.49%1.34%Beats 11%59 / 65
Net Charge-Offs / Loans0.31%n/a0.00%0.03%Beats 8%61 / 65
Capital
Tier 1 Capital Ratio14.15%12.79%16.04%19.61%Beats 39%40 / 66
Total Risk-Based Capital Ratio15.41%13.16%16.56%20.61%Beats 42%38 / 66
Equity / Assets11.93%8.65%11.46%14.47%Beats 58%28 / 66
Liquidity & Funding
Loans / Deposits93.51%67.54%83.81%94.78%71st pctl19 / 66
Loans / Assets81.88%55.27%68.76%79.43%82nd pctl12 / 65
Brokered Deposits / Depositsn/aNot reported for this institution