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Morris Building and Loan, S.B.

Morris, IL · Cert 28427

FDIC

Q1 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: Q1 2008, the quarter ended March 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

Morris Building and Loan, S.B.

Morris, IL · Cert 28427

FDIC

Q1 2008

$35.9MAssets
$23.5MLoans
$26.1MDeposits
$2.4MEquity
Deposit mix
94%Interest-bearing $24.4M6%Noninterest $1.6MQ1 2007Q1 2008

NIM

4.70%Q1 ’065.15%Q1 ’075.00%Q1 ’08+14%-18%

Non-interest income vs. expense

3.41%Q1 ’063.95%Q1 ’073.98%Q1 ’08+20%+4%

Executive Summary

  • Earnings: ROA of -1.38%, down 66 bps year over year; NIM at 2.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 90.06% of deposits as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

-1.38%-66 bps YoY

Net Interest Margin (YTD, annualized)

2.28%-50 bps YoY

Efficiency Ratio (YTD, annualized)

153.00%+3,049 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets-0.72%-0.83%-0.82%-2.52%-1.38%-66 bps
Return on Equity-7.54%-8.68%-8.72%-27.77%-19.50%-1,197 bps
Net Interest Margin2.78%2.76%2.81%2.63%2.28%-50 bps
Efficiency Ratio122.51%126.23%125.74%179.77%153.00%+3,049 bps
Non-Interest Burden3.51%3.60%3.66%5.10%3.66%+15 bps
Growth
Asset Growth (YoY)-13.73%-9.11%-4.66%-4.54%7.95%+2,168 bps
Loan Growth (YoY)-7.27%-6.09%0.98%3.28%12.66%+1,993 bps
Deposit Growth (YoY)-5.56%-10.52%-5.64%-4.42%9.85%+1,541 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.06%0.04%0.00%0 bps
Allowance / Loans0.58%0.58%0.50%0.50%0.50%-8 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 Capital20.11%19.75%17.75%13.62%12.44%-767 bps
Equity / Assets9.68%9.50%9.15%7.59%6.63%-304 bps
Liquidity & Funding
Loans / Deposits87.81%92.11%97.85%99.81%90.06%+225 bps
Liquid Assets / Assets3.81%3.97%3.63%3.29%14.23%+1,042 bps
CRE / Total Capitaln/an/an/an/an/an/an/a